Exhibit 99.1 - Schedule 3
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| Exception Grades | ||||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 9/16/2026 3:18:50 PM | ||||||||||||||||||||||||||||||||||||||||||||||||
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 224364976 | [Redacted] | [Redacted] | 34938558 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The note provided for the subject transaction does not indicate an Interest Only program. A corrected note will be required and a destroyed note affidavit will be required. | Reviewer Comment (2026-06-11): Note - Subject Lien with interest only, cleared Buyer Comment (2026-06-11): Please see attached. |
06/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 224364976 | [Redacted] | [Redacted] | 34938566 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Only [redacted] month statement was provided for this account. Please provide an additional consecutive statement for this account. | Reviewer Comment (2025-11-13): [redacted] Months bank statement provided in file. Exception Cleared. Buyer Comment (2025-11-11): DOC ID [redacted] & DOC ID [redacted] is a complete [redacted] months statements |
11/13/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225155421 | [Redacted] | [Redacted] | 35915462 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Date is missing on provided CPA letter document. | Reviewer Comment (2026-03-12): CPA letter with signature and date is received and verified. Exception cleared Seller Comment (2026-03-11): CPA Letter dated |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225155421 | [Redacted] | [Redacted] | 35915508 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-03-05): Received CDA. Exception cleared. Seller Comment (2026-03-03): CDA ATTACHED FOR YOUR REVIEW Reviewer Comment (2026-03-02): The file was missing copy of the secondary [Redacted]luation required for securitization purposes. Exception remains. Seller Comment (2026-02-26): Do not understand what is required. Could you please clarify this suspense in details. |
03/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225155421 | [Redacted] | [Redacted] | 35921092 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA Verification | Reviewer Comment (2026-03-03): No HOA LOE received. Seller Comment (2026-03-02): LOE Received. |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225163324 | [Redacted] | [Redacted] | 35929661 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | DSCR Calculation Lease rent $[redacted], Market rent=$[redacted] PITIA: P&I $[redacted], Taxes $[redacted] Hazard $[redacted], HOA $[redacted] Used lessor of $[redacted]/$= $[redacted] Per guides, The lease may be used to calculate the DSCR provided: The lease will continue for at least [redacted] months after the note date AND [redacted] months of rents due prior to the application date are documented as received timely. The only evidence in the file is for [redacted] which is after the application date and not [redacted]. |
Reviewer Comment (2026-03-05): Received [redacted] months of rent receipt prior to application date. Exception Cleared. Buyer Comment (2026-03-04): Please see attached. |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225163324 | [Redacted] | [Redacted] | 35929738 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is not provided in file | Reviewer Comment (2026-03-05): Received Business Purpose Certificate. Exception Cleared. Buyer Comment (2026-03-04): Please see attached Buyer Comment (2026-03-04): Please see attached. |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225163324 | [Redacted] | [Redacted] | 35931174 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the borrower's most recent [redacted] mortgage pay history on the primary residence. | Reviewer Comment (2026-04-03): Received payment history for the primary residence. Exception Cleared Buyer Comment (2026-04-01): Please see attached. Reviewer Comment (2026-03-05): Received mortgage payoff statement and pay history for the subject property. Required [redacted] month pay history for the primary residence. Exception Remains. Buyer Comment (2026-03-04): Please see attached. This is a [redacted] year ballon which was originated on [redacted] and being paid off through this refinance. |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225201659 | [Redacted] | [Redacted] | 35970329 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing the corporate resolution signed by all members. The resolution provided reflects only the guarantor, however the operating agreement provided indicates there are [redacted]members. | Reviewer Comment (2026-03-10): Membership Interest Assignment provided in file reflect [redacted]% ownership. Exception Cleared. Seller Comment (2026-03-09): The entity is an [redacted]; therefore, a corporate resolution is not applicable. However, the attached Membership Interest Assignment and [redacted] Consent Resolution indicate that [redacted]% of the membership interest has been assigned from [redacted] to [redacted]. As a result, the current guarantor [redacted] now owns [redacted]% of the compa[Redacted]. |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225201659 | [Redacted] | [Redacted] | 35970330 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | File is missing a certificate of good standing dated within [redacted] prior to note date. | Reviewer Comment (2026-03-10): Received Certificate of good standing. Exception Cleared. Seller Comment (2026-03-09): Please see the attached Certificate of Good Standing |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225280335 | [Redacted] | [Redacted] | 36088675 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Missing document date for CPA | Reviewer Comment (2026-03-30): Received signed and dated letter of Explanation for Deposit and CPA letter. Exception cleared. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225280335 | [Redacted] | [Redacted] | 36088677 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Missing document date for Explanation Letter for Deposits | Reviewer Comment (2026-03-30): Received signed and dated letter of Explanation for Deposit and CPA letter. Exception cleared. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225280335 | [Redacted] | [Redacted] | 36088685 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing document date for Explanation Letter for Deposits and CPA | Reviewer Comment (2026-03-30): Received signed and dated letter of Explanation for Deposit and CPA letter. Exception cleared. Seller Comment (2026-03-26): CPA Letter received. Reviewer Comment (2026-03-24): The CPA letter and the letter of explanation for low deposit do not show a[Redacted] date, unable to verify when these documents were obtained. Please provide evidence of date when the CPA letter and the LOX were obtained. Seller Comment (2026-03-20): LOE Seller Comment (2026-03-20): Explanation Letter Seller Comment (2026-03-20): CPA documentation |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225280335 | [Redacted] | [Redacted] | 36088689 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing document date for Explanation Letter for Deposits and CPA | Reviewer Comment (2026-03-30): Received signed and dated letter of Explanation for Deposit and CPA letter. Exception cleared. Seller Comment (2026-03-26): CPA dated Letter & Large deposit LOE |
03/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225280335 | [Redacted] | [Redacted] | 36088691 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing document date for Explanation Letter for Deposits and CPA | Reviewer Comment (2026-03-30): Received signed and dated letter of Explanation for Deposit and CPA letter. Exception cleared. Seller Comment (2026-03-26): CPA dated Letter & Large deposit LOE received Reviewer Comment (2026-03-24): The CPA letter and the letter of explanation for low deposit do not show a[Redacted] date, unable to verify when these documents were obtained. Please provide evidence of date when the CPA letter and the LOX were obtained. Seller Comment (2026-03-20): Explanation Letter Seller Comment (2026-03-20): LOE Seller Comment (2026-03-20): CPA documentation |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225280335 | [Redacted] | [Redacted] | 36088698 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing document date for Explanation Letter for Deposits and CPA | Reviewer Comment (2026-03-30): Received signed and dated letter of Explanation for Deposit and CPA letter. Exception cleared. Seller Comment (2026-03-26): CPA dated Letter & Large deposit LOE received Reviewer Comment (2026-03-24): The CPA letter and the letter of explanation for low deposit do not show a[Redacted] date, unable to verify when these documents were obtained. Please provide evidence of date when the CPA letter and the LOX were obtained. Seller Comment (2026-03-20): Explanation Letter Seller Comment (2026-03-20): CPA |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225337819 | [Redacted] | [Redacted] | 36110190 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Cash out refinance of tenant occupied investment property, most recent lease agreement not provided. Lease agreement provided is from [redacted]. | Reviewer Comment (2025-10-20): LOX in file confirming lease agreement dated [redacted] is active with same [redacted]ants and term is month to month basis. Exception cleared. Buyer Comment (2025-10-17): please see lox doc# [redacted] to [Redacted]lidate property still rented by parties on [redacted] lease. thanks! Buyer Comment (2025-10-17): per lease agreement page [redacted], it was set up as a month to month lease and it is still in place today. thanks! |
10/20/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225337819 | [Redacted] | [Redacted] | 36114889 | Credit | Guideline | Guideline Issue | Guideline | Missing [redacted] Calculation Worksheet per guidelines. | Reviewer Comment (2026-06-16): DSCR Worksheet provided. Exception cleared. Buyer Comment (2026-06-15): Please see attached. Reviewer Comment (2026-06-15): The Debt Service Coverage Ratio is calculated as qualifying rental income $[redacted] / $[redacted] total PITIA = [redacted] DSCR. Exception Remains. Buyer Comment (2026-06-14): Can you send me the DSCR calculations that you are using. Reviewer Comment (2026-06-12): The calculated DSCR is [redacted]; however, the bid tape d[Redacted] reflects a DSCR of [redacted]. This [Redacted]riance requires clarification. DSCR worksheet is required. Exception Remains. Buyer Comment (2026-06-11): There is no discrepancy in our calculations, so the worksheet is not needed. Please clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225337819 | [Redacted] | [Redacted] | 36721198 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence [redacted] and bid tape [redacted] does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Reviewer Comment (2026-06-24): Bid tape updated with correct DSCR, exception cleared. Buyer Comment (2026-06-22): The d[Redacted] compare is now updated. Please clear condition. Reviewer Comment (2026-06-17): The DSCR calculated in the provided worksheet is [redacted]; however, the bid tape d[Redacted] reflects a DSCR of [redacted]. Update bid tape [Redacted]lue to reflect [redacted]. Exception Remains. Buyer Comment (2026-06-15): [redacted] Please clear. |
06/24/2026 | No | 1 | A | A | A | A | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| 225337819 | [Redacted] | [Redacted] | 36750232 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - FICO | Reviewer Comment (2026-06-18): As per requirement, the highest middle credit score among all applicants on the loan has been utilized. Exception clear. Buyer Comment (2026-06-17): [redacted] is using [redacted] as it is the highest middle score between the [redacted] borrowers; this is a DSCR loan. Both of their credit reports are already in the shipped package on [redacted] . Can you please review? Thank you! |
06/18/2026 | No | 1 | A | A | A | A | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225381278 | [Redacted] | [Redacted] | 36171443 | Property | Appraisal Reconciliation | [Redacted]lue Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary [Redacted]luation supports the [Redacted]lue. There is a lower level tertiary product that does not support the qualifying [Redacted]lue. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-02): Cleared. Sufficient documenation provided. Seller Comment (2026-03-31): If Tertiary product does not support collateral [Redacted]lue, that is when the CDA is ordered. CDA is far more expensive and much more detailed. CDA provided has [redacted] difference from Appraised [Redacted]lue - $[redacted]k. Thank you, |
04/02/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | OH | Investment | Pur[Redacted] | B | A | A | A | B | A | N/A | No | ||||||||||||||
| 225407126 | [Redacted] | [Redacted] | 36204383 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Received Scriveners affidavit removing the prepayment penalty on the loan, however additional documentation is required: EV3-C prepayment penalty exceptions that are not tied to high cost may be downgraded to Open EV2-B (not cured) with the following: • Attestation from lender that there has been no prepay yet imposed on the loan. • Addendum to the Note removing the prepayment penalty. • Proof of mailing. |
Buyer Comment (2026-07-06): waived per [redacted] Reviewer Comment (2026-07-02): [redacted] exception has been downgraded to [redacted]. Reviewer Comment (2026-07-02): [redacted] received Attestation from lender that there has been no prepay yet imposed on the loan, Addendum to the Note removing the prepayment penalty,and Proof of mailing. Buyer Comment (2026-06-30): [redacted] Reviewer Comment (2026-06-30): Reviewed all trailing docs. Mailing label was not located. Buyer Comment (2026-06-25): No [redacted] Buyer Comment (2026-06-25): [redacted] Reviewer Comment (2026-06-19): Escalation response: Evidence of the mailing receipt to the borrower or borrower's receipt of the package is required. This was not located in the file. Reviewer Comment (2026-06-18): File has been escalated. Will reach out once response has been received. Buyer Comment (2026-06-18): Affidavit Reviewer Comment (2026-06-16): The attestation being asked for as part of the downgrade is just to ensure that the borrower has not yet been actually charged a prepayment penalty in connection with a[Redacted] portion they may have already prepaid. The downgrade to [redacted] is subject to a lender not yet actually collecting a[Redacted] prepayment penalty which would be prohibited in individual borrowers in [redacted]. Provided lender has not yet collected a[Redacted] prepayment penalty, an Addendum to the Note or Prepay Rider is sent removing the prepay, and we have proof of mailing of that notification of prepay remo[Redacted]l to borrower (signature not required), we can downgrade to [redacted]. Reviewer Comment (2026-06-16): Client: Can you please advise why you're requesting an attestation on this one? In our discussions about the correction for the [redacted] Prepayment Penalty that wasn't mentioned that I recall. Buyer Comment (2026-06-09): See documents Reviewer Comment (2026-04-20): In the state of [redacted], there are [redacted] different statutes with prepayment penalty requirements and there are different factors which will determine which statute each particular loan falls under. The [redacted] different statues are [redacted]. [redacted] ("Chapter [redacted]") and [redacted] Admin Code [redacted] ("Admin Code"). Please review External Compliance bulletin within [redacted] website regarding [redacted] prepayment penalties. The loan does not contain language in the Note which indicates that the prepay will not exceed the amount permissible by applicable law and so there is no regrade of the exceptions to an [redacted]. Unfortunately there does not appear to be a cure a[Redacted]ilable if a loan already closed with a [redacted] in [redacted]. However, if still within the prepayment period window, [redacted] [redacted] prepayment penalty exceptions that are not tied to high cost may be downgraded to Open [redacted] (not cured) with the following: • Attestation from lender that there has been no prepay yet imposed on the loan. • Addendum to the Note removing the prepayment penalty. • Proof of mailing. Buyer Comment (2026-04-16): Please see [redacted] for business purpose cert |
07/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Pur[Redacted] | D | B | D | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225407126 | [Redacted] | [Redacted] | 36214066 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-10): Received Rate lock agreement in file. Exception Cleared. Buyer Comment (2026-04-09): Lock |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NJ | Investment | Pur[Redacted] | D | B | D | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225424171 | [Redacted] | [Redacted] | 36220087 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance coverage is insufficient by $[redacted]. | Reviewer Comment (2026-06-10): Received updated appraisal with estimated cost new. Exception Cleared. Buyer Comment (2026-06-09): Corrected appraisal Reviewer Comment (2026-06-04): Appraisal provided with updated address does not reflect estimated cost new. Exception remains Buyer Comment (2026-06-02): See uploads Reviewer Comment (2026-05-21): The [Redacted]luations show [redacted] [redacted] as the subject property while the Note, Security Agreement and all other pertinent documentation show [redacted] Condo B. The [Redacted]luations need to be updated. Once this is done the 'estimated cost new' can be entered and this exception cleared. Buyer Comment (2026-05-20): Sufficient coverage Buyer Comment (2026-05-20): Please see total estimate cost new for cost approach. Only has to be [redacted]% Reviewer Comment (2026-04-15): The provided document under [redacted] is expired on [redacted]. As per updated hazard policy [redacted] dwelling coverage is $[redacted] and rebuilding cost (RCE) is $[redacted]. We still have shortfall of $[redacted]. Please provide extended coverage. Exception remains. Buyer Comment (2026-04-13): Please see [redacted] RCE which is on [redacted] |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225424171 | [Redacted] | [Redacted] | 36285083 | Credit | Loan Package Documentation | Application / Processing | Flood | FEMA Disaster Issue: The most recent [Redacted]luation inspection is dated prior to a FEMA disaster. | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | Reviewer Comment (2026-05-04): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. Reviewer Comment (2026-04-27): The subject property is located in a FEMA-declared disaster area. The appraisal is dated [redacted], prior to the disaster end date of [redacted]. Require a post disaster inspection verifying there was no damage to the subject property. Exception Remains. Buyer Comment (2026-04-24): Please advise since [redacted] is a [redacted] after the date of incident and doesn't show a[Redacted] damage. |
05/04/2026 | No | 1 | A | A | A | A | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225424171 | [Redacted] | [Redacted] | 36551862 | Credit | System | [Redacted] | Appraisal Reconciliation | [Redacted]luation address does not match Note address. | - | The [Redacted]luations show [redacted] as the subject property while the Note, Security Agreement and all other pertinent documentation show [redacted] Condo B. The [Redacted]luations need to be updated. | Reviewer Comment (2026-06-17): [Redacted]luations with updated addresses, cleared Buyer Comment (2026-06-16): Corrected Appraisal Reviewer Comment (2026-06-15): CDA has been received; however, an Appraisal Report (Form [redacted]) is still required for the property at [redacted], Condo B. Exception Remains. Buyer Comment (2026-06-12): CDA corrected Reviewer Comment (2026-06-04): Received appraisal with corrected address. Provide CDA with updated address. Exception remains. Buyer Comment (2026-06-02): Updates to address |
06/17/2026 | No | 1 | A | A | A | A | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| 225427624 | [Redacted] | [Redacted] | 36233820 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing HOA verification for the [redacted]. | Reviewer Comment (2026-04-10): Received HOA. Exception cleared. Seller Comment (2026-04-09): HOA VERIFICATION |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225432954 | [Redacted] | [Redacted] | 36247346 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-13): Received Esign Process Summary. Exception cleared. Buyer Comment (2026-04-10): Please see attached. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225438536 | [Redacted] | [Redacted] | 36251811 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is not provided. | Reviewer Comment (2026-04-27): Received e-sign consent agreement, Exception cleared. Buyer Comment (2026-04-24): proof econsent accepted upld |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225438536 | [Redacted] | [Redacted] | 36251830 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Calculated investor qualifying total debt ratio of [redacted]% exceeds guideline total debt ratio of [redacted]%. Income $[redacted] Subject PITIA $[redacted] Primary PITIA $[redacted] Debt $[redacted] |
Reviewer Comment (2026-05-26): Cleared. Received updated bid tape. Reviewer Comment (2026-05-26): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-05-26): please clear, the bid tape has been updated. Reviewer Comment (2026-05-19): The exception will be re-reviewed upon receipt of updated bid tape. Buyer Comment (2026-05-17): bid tape correction has also been requested. Buyer Comment (2026-05-17): revised [redacted] upld Reviewer Comment (2026-04-28): Due dilignece recview DTI is [redacted]% however the bid tape reflects [redacted]% DTI. The [redacted] reflects negative REO of $[redacted] that was not found in the DD review. Buyer Comment (2026-04-24): exception aprvl upld, reflects max dti [redacted]% |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225438536 | [Redacted] | [Redacted] | 36251833 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank [redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] | Calculated investor qualifying total debt ratio of [redacted]% exceeds guideline total debt ratio of [redacted]%. Income $[redacted] Subject PITIA $[redacted] Primary PITIA $[redacted] Debt $[redacted] |
Reviewer Comment (2026-06-01): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. New exception generated. Buyer Comment (2026-05-28): this is a fixed rate loan, not an arm Reviewer Comment (2026-05-26): The [redacted] reflects that the loan was qualified using the note rate instead of Amortizing ARM Loans Qualify at the greater of the start or the Fully Indexed Rate (index + margin) over the life of the loan. Buyer Comment (2026-05-26): please clear, the bid tape has been updated. Reviewer Comment (2026-05-19): The exception will be re-reviewed upon receipt of updated bid tape. Buyer Comment (2026-05-17): bid tape correction has also been requested. Buyer Comment (2026-05-17): revised [redacted] upld to trl docs Reviewer Comment (2026-04-28): Due dilignece recview DTI is [redacted]% however the bid tape reflects [redacted]% DTI. The [redacted] reflects negative REO of $[redacted] that was not found in the DD review. Buyer Comment (2026-04-24): exception aprvl upld, reflects max dti [redacted]% |
06/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225438536 | [Redacted] | [Redacted] | 36251880 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-04-28): Initial Notice of Special Flood disclosure updated. Buyer Comment (2026-04-27): please cancel, cancel, the disclosure signed [redacted] on is on [redacted] |
04/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225438536 | [Redacted] | [Redacted] | 36251889 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated investor qualifying total debt ratio of [redacted]% exceeds guideline total debt ratio of [redacted]%. Income $[redacted] Subject PITIA $[redacted] Primary PITIA $[redacted] Debt $[redacted] |
Reviewer Comment (2026-05-26): Received updated bid tape Buyer Comment (2026-05-26): please clear, the bid tape has been updated. Reviewer Comment (2026-05-19): The exception will be re-reviewed upon receipt of updated bid tape. Buyer Comment (2026-05-17): bid tape correction has also been requested. Buyer Comment (2026-05-17): revised [redacted] upld to trl docs Reviewer Comment (2026-04-28): Due dilignece recview DTI is [redacted]% however the bid tape reflects [redacted]% DTI. The [redacted] reflects negative REO of $[redacted] that was not found in the DD review. Buyer Comment (2026-04-24): exception aprvl upld, reflects max dti [redacted]% |
05/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225438536 | [Redacted] | [Redacted] | 36251890 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Calculated investor qualifying total debt ratio of [redacted]% exceeds guideline total debt ratio of [redacted]%. Income $[redacted] Subject PITIA $[redacted] Primary PITIA $[redacted] Debt $[redacted] |
Reviewer Comment (2026-05-26): Received updated bid tape Buyer Comment (2026-05-26): please clear, the bid tape has been updated. Reviewer Comment (2026-05-19): The exception will be re-reviewed upon receipt of updated bid tape. Reviewer Comment (2026-05-19): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-17): bid tape correction has also been requested. Buyer Comment (2026-05-17): revised 1008 upld to trl docs Reviewer Comment (2026-04-28): Due dilignece recview DTI is [redacted]% however the bid tape reflects [redacted]% DTI. The [redacted] reflects negative REO of $[redacted] that was not found in the DD review. Buyer Comment (2026-04-24): exception aprvl upld, reflects max dti [redacted]% |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225438536 | [Redacted] | [Redacted] | 36354807 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for lack of entity tax returns and interim finfncial statements with K-[redacted] indicates [redacted]% or greater ownership interest and K-1s with losses reflecting on the tax retun years. (Business in come not used to qualify) | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-28): Client elects to waive with compensating factors. |
04/28/2026 | Yes | 2 | B | B | B | B | B | MA | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225438536 | [Redacted] | [Redacted] | 36628852 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Discrepancy in Debt ratio. Lender DTI [redacted]%. DD calculated DTI [redacted]%; . Discrepancy is due to the IO qualification method. | Reviewer Comment (2026-07-01): Bid tape for DTI has-been corrected. Exception cleared. Buyer Comment (2026-06-29): bid tape has been update, please clear. Reviewer Comment (2026-06-24): Received updated [redacted] with correct DIT, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-23): revised [redacted] upld, rqst'd bid tape to be corrected back to dti of [redacted]%. Reviewer Comment (2026-06-10): The exception will be revisitied once the updated bid tape is received. Buyer Comment (2026-06-08): the bid tape has been updated, please correct on your end, the dti is [redacted]% Reviewer Comment (2026-06-08): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-05): please clear, the bid tape has been updated. Reviewer Comment (2026-06-03): Calculated DTI is [redacted]% using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-06-01): please cancel, revised [redacted] was provided ([redacted]) which cleared the other dti conditions, the dti is [redacted]%. |
07/01/2026 | No | 1 | A | A | A | A | A | MA | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225443741 | [Redacted] | [Redacted] | 36254896 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee amount of $[redacted]exceeds tolerance of $[redacted]. Appraisal fee of $[redacted]. No [Redacted]lid change in circumstance or cure provided. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225443741 | [Redacted] | [Redacted] | 36254897 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax fee of $[redacted]not disclosed to borrower until final Closing Disclosure. No [Redacted]lid change in circumstance or cure provided. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225443741 | [Redacted] | [Redacted] | 36756844 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy exist. | Reviewer Comment (2026-07-15): Bid Tape [Redacted]lue matches with the calculated DTI. Exception Cleared Buyer Comment (2026-07-14): bid tape has been corrected Reviewer Comment (2026-07-02): Received updated [redacted] and [redacted]. There is a discrepancy is in the bid tape.The bid tape DTI is [redacted]% however due diligence and [redacted] reflect [redacted]%. An updated Bid tape would be required to address a d[Redacted] discrepancy with the bid tape. Buyer Comment (2026-07-01): [redacted] & [redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | GA | Primary | Pur[Redacted] | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225449519 | [Redacted] | [Redacted] | 36279960 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided cure of $[redacted]on final CD. | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225449519 | [Redacted] | [Redacted] | 36862519 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: DTI | Reviewer Comment (2026-07-13): Received corrected [redacted] and [redacted]. Exception cleared. Buyer Comment (2026-07-09): corrected [redacted] & [redacted] Reviewer Comment (2026-07-02): Conditon was added per email request. Due diligence review dti is [redacted] and [redacted] reflects [redacted]. Income = $[redacted], REO = $[redacted], Credit Debt = $[redacted], Subject PITIA = $[redacted]. Buyer Comment (2026-07-01): Can you provide what the discrepancy is. It looks like we match with you but our DTI is at exactly [redacted]% and yours is over. |
07/13/2026 | No | 1 | A | A | A | A | A | CA | Primary | Pur[Redacted] | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225453184 | [Redacted] | [Redacted] | 36275639 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. | Closing Protection Letter was not found in file. | Reviewer Comment (2026-04-17): Closing protection letter not required in [redacted] state. Exception cleared. Seller Comment (2026-04-16): Please see attached Title Insurance Policy. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225453184 | [Redacted] | [Redacted] | 36275659 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter was not found in file. | Reviewer Comment (2026-04-17): Closing protection letter not required in [redacted] state. Exception cleared. Seller Comment (2026-04-16): Please see attached Title Insurance Policy. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225453184 | [Redacted] | [Redacted] | 36275662 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution was not found in file. | Reviewer Comment (2026-04-17): Received corporate resolution. Exception cleared. Seller Comment (2026-04-16): Please see attached Resolution to Pur[Redacted] |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225453355 | [Redacted] | [Redacted] | 36275890 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is not provided in file. | Reviewer Comment (2026-04-17): Received business purpose certificate. Exception cleared. Seller Comment (2026-04-16): Business Purpose cert |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225453355 | [Redacted] | [Redacted] | 36277648 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted] months statements for accounts ending in #[redacted] are not provided in file. | Reviewer Comment (2026-04-20): Cleared. Asset statements provided must cover at least [redacted]days, per guidelines. Seller Comment (2026-04-16): [redacted] Access guides call for [redacted] day asset statements. Please rereview according to guide attached here. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225455006 | [Redacted] | [Redacted] | 36277935 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for Rural property on DSCR cash out. Lender exception appro[Redacted]l form is missing and compensating factors are not listed on [redacted] form. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with compensating factors. Buyer Comment (2026-04-30): exception aprvl upld |
05/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225455006 | [Redacted] | [Redacted] | 36387822 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for cash out refinance on rurally designated property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with compensating factors. |
05/01/2026 | Yes | 2 | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225465744 | [Redacted] | [Redacted] | 36293093 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Waterfall due to Reserves requirement not met. | Reviewer Comment (2026-07-28): Lender exception approved for [redacted] months reserves. This condition is cleared. Buyer Comment (2026-07-24): Please see updated exception for the reserves that we have. Please clear condition. Reviewer Comment (2026-07-09): Verified reserves of [redacted] is less than the requirement of [redacted] months per lender exception. Buyer Comment (2026-07-07): Please review - The client received $[redacted] from closing. The [redacted] statement shows that the client has $[redacted]. If you back out the appraisal as you stated, that leaves the borrower with a total of appraisal that would leave $[redacted]. If you then minus the amount needed for reserves of $[redacted], that would leave $[redacted] a[Redacted]liable. Please clear condition. Reviewer Comment (2026-06-30): Received lender exception appro[Redacted]l for [redacted] months minimum reserves, however borrower does not have [redacted] months. The required reserves are $[redacted]. Borrower has $[redacted] in a[Redacted]ilable assets for reserves. Buyer Comment (2026-06-26): Please see attached exception Reviewer Comment (2026-06-26): Provided bank statement is from [redacted]. Most recent bank statement from [redacted] has balance of $[redacted]. Reserve requirement is $[redacted]. Total assets a[Redacted]ilable for reserves including cash out is $[redacted], even documenting the $[redacted] POC(b) appraisal fee wont meet the reserve requirement. As per [redacted], there is exception appro[Redacted]l for reserve requirement. Please provide the evidence of approved exception. Buyer Comment (2026-06-24): [redacted] Buyer Comment (2026-06-24): Please see attached. Reviewer Comment (2026-05-22): Borrowers net cash out was $[redacted] due to the prepaid appraisal. The borrower remains short cash for reserves. Buyer Comment (2026-05-20): Please view the cash out for the loan. This should cover the reserves needed. Please clear condition |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225465744 | [Redacted] | [Redacted] | 36293101 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Reserves requirement not met. Required [redacted]. | Reviewer Comment (2026-07-28): Lender exception approved for [redacted] months reserves. This condition is cleared. Buyer Comment (2026-07-24): [redacted] Reviewer Comment (2026-06-30): Received lender exception appro[Redacted]l for [redacted] months minimum reserves, however borrower does not have [redacted] months. The required reserves are $[redacted]. Borrower has $[redacted] in a[Redacted]ilable assets for reserves. Buyer Comment (2026-06-26): [redacted] Reviewer Comment (2026-06-26): Provided bank statement is from [redacted]. Most recent bank statement from [redacted] has balance of $[redacted]. Reserve requirement is $[redacted]. Total assets a[Redacted]ilable for reserves including cash out is $[redacted], even documenting the $[redacted] POC(b) appraisal fee wont meet the reserve requirement. As per [redacted], there is exception appro[Redacted]l for reserve requirement. Please provide the evidence of approved exception. Buyer Comment (2026-06-25): Waterfall Reviewer Comment (2026-05-22): Borrowers net cash out was $[redacted] due to the prepaid appraisal. The borrower remains short cash for reserves. Buyer Comment (2026-05-20): [redacted]. Please clear. |
07/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465744 | [Redacted] | [Redacted] | 36293102 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Reserves requirement not met. Required [redacted]. | Reviewer Comment (2026-07-28): Lender exception approved for [redacted] months reserves. This condition is cleared. Buyer Comment (2026-07-24): [redacted] Reviewer Comment (2026-06-30): Received lender exception appro[Redacted]l for [redacted] months minimum reserves, however borrower does not have [redacted] months. The required reserves are $[redacted]. Borrower has $[redacted] in a[Redacted]ilable assets for reserves. Buyer Comment (2026-06-26): [redacted] Reviewer Comment (2026-06-26): Provided bank statement is from [redacted]. Most recent bank statement from [redacted] has balance of $[redacted]. Reserve requirement is $[redacted]. Total assets a[Redacted]ilable for reserves including cash out is $[redacted], even documenting the $[redacted] POC(b) appraisal fee wont meet the reserve requirement. As per [redacted], there is exception appro[Redacted]l for reserve requirement. Please provide the evidence of approved exception. Buyer Comment (2026-06-24): [redacted] Reviewer Comment (2026-05-22): Borrowers net cash out was $[redacted] due to the prepaid appraisal. The borrower remains short cash for reserves. Reviewer Comment (2026-05-22): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-20): [redacted]. Please clear. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225465744 | [Redacted] | [Redacted] | 37087809 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for allowing [redacted]months reserves vs [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-07-28): Client elects to waive with compensating factors. |
07/28/2026 | Yes | 2 | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225466162 | [Redacted] | [Redacted] | 36293180 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Missing evidence of receipt for appraisal report dated [redacted]. | Reviewer Comment (2026-06-25): Evidence of delivery received. Buyer Comment (2026-06-23): Please see attached. Reviewer Comment (2026-06-12): Received appraisal notice for delivery for appraisal report dated [redacted] is already provided in file. Evidence of delivery for appraisal report dated [redacted] Doc ID [redacted] is required. Exception remains. Buyer Comment (2026-06-11): The revised appraisal was completed on [redacted]PM. The Appraisal was sent to the borrower on [redacted]. Please clear condition. Reviewer Comment (2026-05-27): Evidence of appraisal delivery for appraisal report dated [redacted] is required to clear the condition. Exception remains. Buyer Comment (2026-05-22): Please see appriasal that was not used. Please clear condition. Reviewer Comment (2026-05-08): Revised appraisal was sent on [redacted]. Provide proof of receipt of the appraisal report dated [redacted]. Exception Remains. Buyer Comment (2026-05-06): There is not an appraisal on [redacted]. Please see attached. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225466162 | [Redacted] | [Redacted] | 36293181 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Missing evidence of receipt for appraisal report dated [redacted]. | Reviewer Comment (2026-06-25): Evidence of delivery received. Reviewer Comment (2026-06-12): Received appraisal notice for delivery for appraisal report dated [redacted] is already provided in file. Evidence of delivery for appraisal report dated [redacted] Doc ID [redacted] is required. Exception remains. Buyer Comment (2026-06-11): [redacted] Reviewer Comment (2026-05-26): Please provide proof of receipt the appraisal report dated on [redacted]. Exception remains. Buyer Comment (2026-05-22): [redacted]. Please clear. Reviewer Comment (2026-05-08): Revised appraisal was sent on [redacted]. Provide proof of receipt of the appraisal report dated [redacted]. Exception Remains. Buyer Comment (2026-05-06): [redacted] condition. Please clear |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225466162 | [Redacted] | [Redacted] | 36293184 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Sub-prime counseling disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Reviewer Comment (2026-05-27): [redacted] date can be used for testing rather than technical definition of application date for [redacted] subprime counseling disclosure. Exception cleared. Buyer Comment (2026-05-22): Please see attached. This shows when the initial disclosure was sent and shows that the counseling was sent in enough time. Please clear condition. Reviewer Comment (2026-05-08): Application date is [redacted]. Subprime counseling disclosure does not reflect a disclosure date; however, it includes a borrower signature date of [redacted], indicating the disclosure was executed after the application date. Timing exception noted as the disclosure was not documented as provided at the time of application. Exception Remains. Buyer Comment (2026-05-06): This disclosure was sent and signed. Please see attached. |
05/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225466162 | [Redacted] | [Redacted] | 36293185 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted] of the Banking Law. | Security instrument does not contain sub-prime legend. | Buyer Comment (2026-05-06): Please waive. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225466162 | [Redacted] | [Redacted] | 36293186 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Market Rate [redacted]+ [redacted]%. Non-Compliant SubPrime Loan. | Buyer Comment (2026-05-06): Please waive |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under [Redacted] Subprime 6-m(7) appears to be limited to making a non-compliant [Redacted] Subprime loan into a compliant [Redacted] subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of [Redacted] Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225466162 | [Redacted] | [Redacted] | 36293187 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. | H-[redacted] form was used instead of H-[redacted] form; this is not a same lender refinance. | Reviewer Comment (2026-07-13): Received all required documentation. Condition cleared Buyer Comment (2026-07-13): Please see attached. Reviewer Comment (2026-07-10): Please provide the Letter of Explanation provided to the borrower regarding the change. Buyer Comment (2026-07-08): Please see attached. Reviewer Comment (2026-07-01): RTC was provided to borrower on [redacted], but the RTC expiration date [redacted] is before the provided date of [redacted]. RTC expiration date should be at least [redacted] business days after RTC was received by borrower. Exception remains. Buyer Comment (2026-06-29): Please see attached blend sign certificate of completion to clear condition. Reviewer Comment (2026-06-29): Updated RTC with corrected forms received. Right to Cancel Expected Expiration Date is [redacted] in updated RTC, there is no evidence that borrower received the RTCs [redacted] business days prior to [redacted]. The borrower signed date is after the expiration date of [redacted]. Exception remains. Buyer Comment (2026-06-25): Please see attached. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225470431 | [Redacted] | [Redacted] | 36305299 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] days prior to closing. | Loan estimate dated [redacted] was not signed and dated by the borrower. | Reviewer Comment (2026-04-23): [redacted] received LE dated [redacted] Seller Comment (2026-04-22): Disclosure signed |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225471804 | [Redacted] | [Redacted] | 36315560 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Reviewer Comment (2026-04-27): Received Note Addendum - Prepayment document. Verified and updated details. Exception Cleared. Seller Comment (2026-04-24): Prepayment addendum |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | Yes | |||||||||||||||
| 225473692 | [Redacted] | [Redacted] | 36311163 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-04-29): Received Desk Review (CDA ) [Redacted]luation report. Exception cleared. Seller Comment (2026-04-28): CDA |
04/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 225473692 | [Redacted] | [Redacted] | 36311166 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The fraud report does not reflect the drive score. Please provide an updated fraud report with the drive score. | Reviewer Comment (2026-04-27): Received fraud report. Exception cleared. Seller Comment (2026-04-24): FRAUD REPORT ATTACHED |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225473692 | [Redacted] | [Redacted] | 36311167 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing from the file. | Reviewer Comment (2026-04-27): Received business purpose certificate. Exception cleared. Seller Comment (2026-04-24): Attached Business Purpose OCC Affidavit |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225473692 | [Redacted] | [Redacted] | 36311171 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Please provide an asset docuemntation to verify the cash from borrower used in this transaction. The invoices for fees totaling $[redacted]paid outside of closing by the borrower are not located in the file. | Reviewer Comment (2026-04-29): Appraisal invoices and payments verified, exception cleared Seller Comment (2026-04-27): [redacted] Appraisal Invoices totalling: $[redacted] |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225473692 | [Redacted] | [Redacted] | 36311178 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide an asset to meet the [redacted] reserve requirement. | Reviewer Comment (2026-06-03): Received additional assets. Condition cleared. Seller Comment (2026-06-03): appro[Redacted]l email from [redacted] Seller Comment (2026-06-03): Please see appro[Redacted]l from [redacted] Reviewer Comment (2026-06-01): Received bank statement, however borrower remains short of the [redacted] months reserves required with only [redacted] months reserves. Reviewer Comment (2026-06-01): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. Seller Comment (2026-05-28): bk stmt Seller Comment (2026-05-28): exception request - updated [redacted], [redacted] Reviewer Comment (2026-05-20): We need an exception form, appro[Redacted]l and comp factors Seller Comment (2026-05-19): [redacted] financial stmts - requesting an exception for reserves being verified post pur[Redacted] Seller Comment (2026-05-18): Can we get an exception for reserves being verified post pur[Redacted]? Please advise. Reviewer Comment (2026-05-14): Received the statement [redacted] - [redacted] with a balance of $[redacted]. This is insufficient to cover the [redacted] months reserves required by guides. DD is unable to utilize post closing documents as well. Please provide sufficient assets prior to close to cover the [redacted] months required reserves. Seller Comment (2026-05-13): BANK STATEMENT Seller Comment (2026-05-13): bank statement from [redacted] to [redacted] Seller Comment (2026-05-12): The Note date is [redacted] and the provided bank statement starts on [redacted]. $[redacted] was needed for closing. Please review again. Reviewer Comment (2026-05-12): Bank statement provided is post note date. Provide bank statement [redacted] days prior to note date. Exception remains Seller Comment (2026-05-08): current bank statement Reviewer Comment (2026-05-04): The provided asset documents are older than [redacted] days from the note date. Bank statements must be dated within [redacted] days prior to the note date. Exception remains. Seller Comment (2026-04-30): Attached [redacted] per your request Seller Comment (2026-04-30): Attached [redacted] Reviewer Comment (2026-04-29): Assets are not reported in Final [redacted], provide updated [redacted] and [redacted], exception remains. Seller Comment (2026-04-27): Assets |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225473807 | [Redacted] | [Redacted] | 36309959 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided | Reviewer Comment (2026-04-23): Document associated to Bankruptcy Documents and status is dismissed. Exception cleared. Seller Comment (2026-04-22): [redacted] Paperwork is not a requirement. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225473807 | [Redacted] | [Redacted] | 36309968 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount is not provided. | Reviewer Comment (2026-04-23): Title policy amount updated. Exception cleared. Seller Comment (2026-04-22): Prelim Commitment Amount |
04/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225479331 | [Redacted] | [Redacted] | 36322541 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-07-02): Received revised note and guaranty agreement. Buyer Comment (2026-06-30): Docs Reviewer Comment (2026-05-15): [redacted] contention that the individual is signing the Note in the capacity of Individual Guarantor rather than Co-Borrower, we don't see a[Redacted] evidence that he/she is acting as guarantor, so the system is testing as though he/she is a co-borrower on the loan given the signatures on the Note (where prepays are not permissible for individual borrowers). If he/she is an individual guarantor, please have them direct us to the documentation in file to support this role as guarantor. If supported, we can change the Designation on the [redacted] screen to "Guarantor - Individual" and re-run Compliance to see how that may impact results. The [redacted] is set because the question on the Note screen for prepays says "No" when asking in there's language to the effect the prepay will not exceed the max amount permitted by applicable law. If this question were "Yes", the exception should flip to [redacted]. I will note also that it appears as though [redacted] stipped for this for the specific reason of addressing [redacted] prepays but I don't see where the Guaranty Agreement made it into the loan file. Buyer Comment (2026-05-13): subject loan closed as an investment property and a [redacted]. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225479331 | [Redacted] | [Redacted] | 36500188 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | please provide | Reviewer Comment (2026-07-02): Received Guarantor Agreement is verified and associated, exception cleared. Buyer Comment (2026-06-30): See uploads |
07/02/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225479331 | [Redacted] | [Redacted] | 36871240 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-07-10): Received corrected note. Condition cleared. Buyer Comment (2026-07-08): See uploads |
07/10/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225479331 | [Redacted] | [Redacted] | 36871359 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide a destroyed note affidavit and scrivener's affidavit for the previous note that was signed by the borrower as an individual co-borrower instead of guarantor. | Reviewer Comment (2026-07-10): Received corrected note. Condition cleared. Reviewer Comment (2026-07-10): [redacted] affidavit is not received. Exception remains. Buyer Comment (2026-07-08): See Corrective Mortgage [redacted]. [redacted] not applicable. |
07/10/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225499893 | [Redacted] | [Redacted] | 36353028 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing | Reviewer Comment (2026-08-12): Note and note addendum with corrected signature lines. Guarantor Agreement no longer required, cleared Buyer Comment (2026-08-11): Please see attached revised Note executed by the borrower. Kindly remove condition Reviewer Comment (2026-05-20): Provided revised note is not executed by the borrower. Exception Remains. Buyer Comment (2026-05-19): Please see attached blow. PCCD, Revised Note, and shipping label has been sent to borrower |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AL | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225524725 | [Redacted] | [Redacted] | 36369023 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-05-19): Title Policy amount updated from the title commitment, exception cleared. Buyer Comment (2026-05-15): Title |
05/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | N/A | N/A | No | ||||||||||||
| 225524725 | [Redacted] | [Redacted] | 36369025 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-07-15): Received corrected note and guara[Redacted] agreement. Buyer Comment (2026-07-13): Personal Guaranty and Note Reviewer Comment (2026-05-22): Received business purpose cert which was in the original images. The issue is the entity borrower is an [redacted] and the member signed as an individual. Condition remains Buyer Comment (2026-05-20): Business Purpose Reviewer Comment (2026-05-19): Please refer to external Compliance Bulletins [redacted] and [redacted] regarding our testing for [redacted] prepays. These Bulletins can be shared (and should have already been distributed at the time of issuance) to the client. In short, only business purpose loans made to corporations will qualify for an exemption. On business purposes loans made to a business entity other than a corporation (such as an [redacted]), an exception will be cited as an [redacted]. For a borrower which is an individual (as in the subject loan), an [redacted] exception is cited. The Bulletins explain the reasoning in further detail. In the state of [redacted], there are [redacted] different statutes with prepayment penalty requirements and there are different factors which will determine which statute each particular loan falls under. The [redacted] different statues are [redacted]. [redacted] ("Chapter [redacted]") and [redacted] Admin Code [redacted] ("Admin Code"). [redacted] Admin Code [redacted] ("Admin Code") is applicable to consumer purpose loans, RMLA licensees, and 1-4 unit properties. [redacted].[redacted]("Chapter [redacted]") states that "Prepayment of a mortgage loan may be made by or on behalf of a mortgagor at a[Redacted] time without penalty." Under [redacted], a "mortgage loan" is defined as the following: "a loan secured by an interest in real property consisting of land upon which is erected or to be erected, in whole or in part with the proceeds of such loan, a structure containing [redacted], [redacted], [redacted], [redacted], [redacted] or [redacted] dwelling units, a portion of which structure may be used for nonresidential purposes and upon which interest is taken or contracted for at a rate in excess of $[redacted] for the forbearance of $[redacted] for a year." A "mortgagor" is defined as "a[Redacted] person other than a corporation liable for the payment of a mortgage loan, and the owner of the real property which secures the payment of a mortgage loan". The subject loan would fall under the definition of mortgage loan under Chapter [redacted], outlined above. There is no exemption under Chapter [redacted] for business purpose loans. For a borrower which is a business entity [only*] that is not a corporation (such as an [redacted]), an [redacted] exception is cited (with the client ability to override to [redacted]). For a borrower which is an individual (as in the subject loan), an [redacted] exception is cited. Unfortunately there does not appear to be a cure a[Redacted]ilable if a loan already closed with a PPP in [redacted]. However, if still within the prepayment period window, [redacted] [redacted] prepayment penalty exceptions that are not tied to high cost may be downgraded to Open [redacted] (not cured) with the following: Attestation from lender that there has been no prepay yet imposed on the loan. Addendum to the Note removing the prepayment penalty. Proof of mailing. Buyer Comment (2026-05-15): This is a non owner / investment property so it doesn't apply |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225524725 | [Redacted] | [Redacted] | 36978182 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Buyer Comment (2026-07-15): Ok to waive per CNR |
07/15/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225524725 | [Redacted] | [Redacted] | 36978186 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide a destroyed note affidavit. | Reviewer Comment (2026-07-17): Document provided [redacted] Buyer Comment (2026-07-15): Destroyed note affidavit |
07/17/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225528668 | [Redacted] | [Redacted] | 36374317 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to missing income documentation: Year to date P&L and/or most recent tax transcripts not provided in file. | Reviewer Comment (2026-05-07): changed to P&L Seller Comment (2026-05-06): signed [redacted]'s are not needed. See highlighted guidelines on the attached. Reviewer Comment (2026-05-06): Most recent signed and dated [redacted] or most recent tax transcript is required. Seller Comment (2026-05-05): The condition states year to date profit and loss statement [redacted] tax transcripts, YTD P&L were provided. Please review again. Reviewer Comment (2026-05-05): Most recent signed and dated [redacted] or most recent tax transcript is required. Seller Comment (2026-05-01): PROFIT & LOSS STATEMENTS |
05/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 225528668 | [Redacted] | [Redacted] | 36374318 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] QM Provision Income and Assets - Schedule C | [Redacted] QM: Unable to verify [redacted] income using reasonably reliable third-party records. | Year to date P&L and/or most recent tax transcripts not provided in file. | Reviewer Comment (2026-05-07): Changed to P&L Seller Comment (2026-05-06): signed [redacted]'s are not needed. See highlighted guidelines on the attached. Reviewer Comment (2026-05-06): Most recent signed and dated [redacted] or most recent tax transcript is required. Seller Comment (2026-05-05): The condition states year to date profit and loss statement [redacted] tax transcripts, YTD P&L were provided. Please review again. Reviewer Comment (2026-05-05): Most recent signed and dated [redacted] or most recent tax transcript is required. Seller Comment (2026-05-01): PROFIT & LOSS STATEMENTS |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225528668 | [Redacted] | [Redacted] | 36374376 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | [Redacted] QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing income documentation: Year to date P&L and/or most recent tax transcripts not provided in file. | Reviewer Comment (2026-05-06): YTD P&L provided Seller Comment (2026-05-05): The condition states year to date profit and loss statement [redacted] tax transcripts, why is this being requested? Reviewer Comment (2026-05-05): Most recent signed and dated [redacted] or most recent tax transcript is required. Seller Comment (2026-05-01): PROFIT & LOSS STATEMENTS |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225528668 | [Redacted] | [Redacted] | 36374380 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Year to date P&L and/or most recent tax transcripts not provided in file. | Reviewer Comment (2026-05-06): Year to date P&L provided Seller Comment (2026-05-05): The condition states year to date profit and loss statement [redacted] tax transcripts, YTD P&L were provided. Please review again. Reviewer Comment (2026-05-05): Most recent signed and dated [redacted] or most recent tax transcript is required. Seller Comment (2026-05-01): PROFIT & LOSS STATEMENTS |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225528668 | [Redacted] | [Redacted] | 36379230 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing income documentation: Year to date P&L and/or most recent tax transcripts not provided in file. | Reviewer Comment (2026-05-06): Year to date P&L Seller Comment (2026-05-05): The condition states year to date profit and loss statement [redacted] tax transcripts, YTD P&L were provided. Please review again. Reviewer Comment (2026-05-05): Most recent signed and dated [redacted] or most recent tax transcript is required. Seller Comment (2026-05-01): PROFIT & LOSS STATEMENTS |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225528742 | [Redacted] | [Redacted] | 36379617 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Based on asset documentation in file, verified assets total $[redacted]. With funds required to bring to closing of $[redacted], plus the Appraisal Fee of $[redacted]POC, plus the down payment/deposit of $[redacted], plus Homeowners Insurance Premium of $[redacted]POC, total funds to be verified is $[redacted]. Therefore, the file does not contain sufficient asset documentation for closing funds. Discrepancy is due to missing documentation verifying proceeds of departure residence ($[redacted]). | Reviewer Comment (2026-06-15): Attachment includes debts amount $[redacted]. Exception cleared Buyer Comment (2026-06-13): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | C | C | A | C | C | A | A | Non QM | Non QM | No | |||||||||||
| 225528742 | [Redacted] | [Redacted] | 36379629 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]]). | Amount Financed disclosed on Final Closing Disclosure is $[redacted]. Due Diligence Finance Charge is $[redacted]. There is a [Redacted]riance of $[redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Loan Safe Report ($[redacted]); Title - Title Services Fee - Lender ($[redacted]). | Reviewer Comment (2026-07-13): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-13): Please see attached. Reviewer Comment (2026-07-06): The provided response is insufficient. Inclusion or exclusion from the APR calculation is primarily determined by the purpose of the fee. While certain fees, such as Tax Certificate and Flood Certificate fees, may be excluded based on whether they are [redacted]-time or life-of-loan charges, that determination is still dependent upon the underlying purpose of the fee. In this instance, the fee description, "Title - Services Fee Lender," is not sufficiently descriptive to determine the nature or purpose of the fee and, therefore, its proper APR treatment. Under TRID Grid [redacted], Additional Considerations, Row [redacted], clarification is required when fee names are inconsistent, unclear, or do not adequately describe the service provided. Row [redacted] states that, for fee tolerance testing purposes, creditors must ensure that fee descriptions are substantially consistent ac[Redacted] disclosures and clearly identify the service or function associated with the charge. When fee descriptions change or are ambiguous, additional documentation is required to establish whether the fees represent the same service. A verbal explanation or rebuttal alone is not sufficient. Accordingly, please request documentation from the lender identifying the specific service performed and the purpose of the "Title - Services Fee Lender" charge. If the fee was incorrectly disclosed, revised documentation reflecting the actual fee name and service provided should be supplied. Until adequate documentation is provided, the fee's APR treatment and tolerance classification cannot be [Redacted]lidated. Buyer Comment (2026-07-02): Please see attached email from title Reviewer Comment (2026-06-16): As previously stated, that the fee is a one-time fee does not determine if it is excludable from finance charge calculations. Lender should secure an attestation from the title/settlement compa[Redacted] that gives the specific services/purpose that were provided within the title-title services fee-lender in order to determine if those services were excludable as a finance charge. Fee must be determined to not be related to the extension of credits and to exclude fee from finance charges under [redacted], lender must not require service, imposition of the charge, or retain a[Redacted] portion of the charge. Unable to address without additional information on fee services provided. Buyer Comment (2026-06-13): This is a title fee that is a [redacted] time fee, not a life of the loan fee. This is not a fee that we determine, it is determined by the title compa[Redacted]. Please clear condition. Reviewer Comment (2026-06-08): [redacted]received lender attestation that the title-services Fee- Lender of $[redacted]was a one time fee. However, that a fee is a [redacted] time fee does not determine if a finance charge, but what the services are. We are unable to determine the services provided and purpose of the Title-Title Services Fee - Lender for $[redacted]to determine if was related to the extension of credit or if falls under the [redacted] excludable requirements. Please provide a lender attestation giving the specific services/purpose of this fee to determine. Buyer Comment (2026-06-05): Please see the email from title pertaining to the title search fee for $[redacted]. Also see initial LE which shows that the [redacted] for the loan fee was disclosed on the initial LE. Please clear condition. |
No | 3 | C | C | C | C | C | C | C | C | C | C | [Redacted] | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | ||||||||||
| 225528742 | [Redacted] | [Redacted] | 36379630 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]]). | Finance Charge disclosed on Final Closing Disclosure is $[redacted]. Due Diligence Finance Charge is $[redacted]. There is a [Redacted]riance of $[redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Loan Safe Report ($[redacted]); Title - Title Services Fee - Lender ($[redacted]). | Reviewer Comment (2026-07-13): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-13): Please see attached Reviewer Comment (2026-07-06): The provided response is insufficient. Inclusion or exclusion from the APR calculation is primarily determined by the purpose of the fee. While certain fees, such as Tax Certificate and Flood Certificate fees, may be excluded based on whether they are [redacted]-time or life-of-loan charges, that determination is still dependent upon the underlying purpose of the fee. In this instance, the fee description, "Title - Services Fee Lender," is not sufficiently descriptive to determine the nature or purpose of the fee and, therefore, its proper APR treatment. Under TRID Grid [redacted], Additional Considerations, Row [redacted] , clarification is required when fee names are inconsistent, unclear, or do not adequately describe the service provided. Row [redacted] states that, for fee tolerance testing purposes, creditors must ensure that fee descriptions are substantially consistent ac[Redacted] disclosures and clearly identify the service or function associated with the charge. When fee descriptions change or are ambiguous, additional documentation is required to establish whether the fees represent the same service. A verbal explanation or rebuttal alone is not sufficient. Accordingly, please request documentation from the lender identifying the specific service performed and the purpose of the "Title - Services Fee Lender" charge. If the fee was incorrectly disclosed, revised documentation reflecting the actual fee name and service provided should be supplied. Until adequate documentation is provided, the fee's APR treatment and tolerance classification cannot be [Redacted]lidated. Buyer Comment (2026-07-02): [redacted]. Please clear. Reviewer Comment (2026-06-16): As previously stated, that the fee is a one-time fee does not determine if it is excludable from finance charge calculations. Lender should secure an attestation from the title/settlement compa[Redacted] that gives the specific services/purpose that were provided within the title-title services fee-lender in order to determine if those services were excludable as a finance charge. Fee must be determined to not be related to the extension of credits and to exclude fee from finance charges under [redacted], lender must not require service, imposition of the charge, or retain a[Redacted] portion of the charge. Unable to address without additional information on fee services provided. Buyer Comment (2026-06-13): [redacted]. Please clear. Reviewer Comment (2026-06-08): [redacted] received lender attestation that the title-services Fee- Lender of $[redacted]was a one time fee. However, that a fee is a [redacted] time fee does not determine if a finance charge, but what the services are. We are unable to determine the services provided and purpose of the Title-Title Services Fee - Lender for $[redacted]to determine if was related to the extension of credit or if falls under the [redacted] excludable requirements. Please provide a lender attestation giving the specific services/purpose of this fee to determine. Buyer Comment (2026-06-05): [redacted]. Please clear |
No | 3 | C | C | C | C | C | C | C | C | C | C | [Redacted] | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | ||||||||||
| 225528742 | [Redacted] | [Redacted] | 36379650 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to shortage of funds to close and reserves, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-15): Seller closing Disclosure provided with amount $[redacted]. Exception cleared Buyer Comment (2026-06-13): [redacted]. Please clear. |
06/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | |||||||||
| 225528742 | [Redacted] | [Redacted] | 36379651 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to shortage of funds to close and reserves. | Reviewer Comment (2026-06-15): Seller closing Disclosure provided with amount $[redacted]. Exception cleared Buyer Comment (2026-06-13): [redacted]. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | C | C | A | C | C | A | A | Non QM | Non QM | No | ||||||||||
| 225528742 | [Redacted] | [Redacted] | 36382737 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-06-15): Seller closing Disclosure provided with amount $[redacted]. Exception cleared Buyer Comment (2026-06-13): [redacted]. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | C | C | A | C | C | A | A | Non QM | Non QM | No | ||||||||||||
| 225528757 | [Redacted] | [Redacted] | 36387833 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-06-18): Received updated hazard insurance policy. Exception Cleared. Buyer Comment (2026-06-17): Hazard Reviewer Comment (2026-06-05): Received hazard insurance policy wherein the insured address does not match the subject property address. Exception remains. Buyer Comment (2026-06-03): Hazard |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225553302 | [Redacted] | [Redacted] | 36409057 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Replacement cost states Y but does not reflect [redacted] replacement cost. Please provide RCE or letter from insurance compa[Redacted] stating [redacted] replacement cost. | Reviewer Comment (2026-07-30): Received Replacement cost estimator is verified and associated, exception cleared. Buyer Comment (2026-07-28): Please see attached. Reviewer Comment (2026-06-03): The replacement cost as per given estimator is $[redacted] and the coverage amount is $[redacted]. There is still shortfall of $[redacted]. Exception remains. Buyer Comment (2026-06-01): Please see attached. Reviewer Comment (2026-05-26): The policy does not provide guaranteed replacement cost. The policy only offers replacement coverage up to the policy amount. Condition remains. Buyer Comment (2026-05-22): we have guaranteed replacement on the insurance which should also be sufficient for coverage. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225553302 | [Redacted] | [Redacted] | 36409068 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | In the state of [redacted], there are [redacted] different statutes with prepayment penalty requirements and there are different factors which will determine which statute each particular loan falls under. The [redacted] different statues are [redacted] ("Admin Code"). • [redacted] is applicable to consumer purpose loans, [redacted] licensees, and [redacted] unit properties. o [redacted] states that "a "borrower may repay a mortgage loan at a[Redacted] time without penalty." o [redacted] defines "residential mortgage loan" or "mortgage loan" to means "a[Redacted] loan primarily for personal, family, or household purposes that is secured by a mortgage, deed of trust, or other equi[Redacted]lent consensual security interest on a one- to [redacted]-family dwelling, as defined in section [redacted](v) of the Truth in Lending Act, [redacted] ([redacted] . § [redacted], or residential real estate upon which is constructed or intended to be constructed a dwelling." o Further, for a loan tested under the Admin Code, based on outside counsel's guidance and review of the [redacted], under which the Admin Code is promulgated, first lien loans will be graded EV2-B based on the lack of assignee liability, while subordinate lien loan violations can impact assignees and therefore are graded an EV3-C. • [redacted]. [redacted]:[redacted]B-[redacted] ("Chapter [redacted]") is applicable to business purpose loans regardless of license type; consumer purpose [redacted] unit properties; loans with interest rates > [redacted]%; and personal property secured by land. o [redacted]:[redacted]B-[redacted] states that "Prepayment of a mortgage loan may be made by or on behalf of a mortgagor at a[Redacted] time without penalty." o Under [redacted]:[redacted]B-[redacted], a "mortgage loan" is defined as the following: "a loan secured by an interest in real property consisting of land upon which is erected or to be erected, in whole or in part with the proceeds of such loan, a structure containing one, [redacted], [redacted], [redacted], [redacted] or [redacted]dwelling units, a portion of which structure may be used for nonresidential purposes and upon which interest is taken or contracted for at a rate in excess of $[redacted] for the forbearance of $[redacted] for a year." o A "mortgagor" is defined as "a[Redacted] person other than a corporation liable for the payment of a mortgage loan, and the owner of the real property which secures the payment of a mortgage loan". o Thus, based on outside counsel's guidance in the attached bulletins in relation to the requirements and applicability, a loan to a corporation is exempt from the prepay penalty requirements under Chapter [redacted] and therefore no exception is cited. § For a borrower which is a business entity [only*] that is not a corporation (such as an LLC), an EV2-B exception is cited (with the client ability to override to EV3-C). § For borrower which is an individual, an EV-2 exception is cited. § Note: If there is language in the Note which states that the prepay will not exceed the amount permissible by applicable law, the exception will be regraded to an EV2-B. § *For the reference to "business entity only" above, I notate this since our testing will look at ALL borrowers on the loan. If the only borrower is a business entity that is not a corporation, the EV-2 grading will apply. However, for loans which contain both a non-corporation business entity AND an individual borrower, this will not be considered for EV-2 grading but will be treated as a borrower who is an individual. Unfortunately there does not appear to be a cure a[Redacted]ilable if a loan already closed with a PPP in [redacted]. However, if still within the prepayment period window, [redacted] EV3-C prepayment penalty exceptions that are not tied to high cost may be downgraded to Open EV2-B (not cured) with the following: * Attestation from lender that there has been no prepay yet imposed on the loan. * Addendum to the Note removing the prepayment penalty. * Proof of mailing. |
Reviewer Comment (2026-07-30): Received corrected note and guarantor agreement. Condition cleared. Buyer Comment (2026-07-28): Please see attached. Reviewer Comment (2026-05-26): Exception cannot be excluded. Please see initial comment from the escalation department. Buyer Comment (2026-05-22): Can you please remove the condition for the [redacted] PPP issue? This loan is a [redacted] and therefore would be excluded. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225553302 | [Redacted] | [Redacted] | 37111823 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | EV2 due to borrowing entity is not a corporate. Lender may waive. | Buyer Comment (2026-07-30): Waive per CNR |
07/30/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||||||
| 225553302 | [Redacted] | [Redacted] | 37111844 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File will require a lost note affidavit for the original note signed at closing. | Reviewer Comment (2026-07-31): Received. Cleared. Buyer Comment (2026-07-30): Please see attached. |
07/31/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225558095 | [Redacted] | [Redacted] | 36419121 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing Closing Disclosure or other documentation verifying proceeds and terms of [redacted] Loan on departure residence. | Reviewer Comment (2026-05-28): Received Closing Disclosure for [redacted] loan/Departure Residence of REO property: [redacted], Exception Cleared. Buyer Comment (2026-05-26): Please see attached CD for [redacted] loan |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225558095 | [Redacted] | [Redacted] | 36419122 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI of [redacted]% exceeds [redacted]% guideline due to inclusion of PITIA on departure residence. Remaining equity of [redacted]% is less than the [redacted]% equity requirement for exclusion due to new [redacted] Loan. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-28): Lender Exception with Compensating Factors provided.[redacted]% equity in departing residence. Borrower is doing [redacted] loan on departing residence and need to be able to go to [redacted]% LTV. Appraisal [Redacted]lue came in lower than anticipated at $[redacted]/$[redacted] total liens including bridge =[redacted]%. Buyer Comment (2026-05-26): Please see attached exception allowing for excluding departing residence with [redacted]% equity. |
05/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||
| 225558095 | [Redacted] | [Redacted] | 36419127 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Calculated DTI of [redacted]% exceeds bid tape [Redacted]lue of [redacted]%. Discrepancy is due to inclusion of PITIA on departure residence. Remaining equity of [redacted]% is less than the [redacted]% equity requirement for exclusion due to new [redacted] Loan. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-28): Lender Exception with Compensating Factors provided.[redacted]% equity in departing residence. Borrower is doing [redacted] loan on departing residence and need to be able to go to [redacted]% LTV. Appraisal [Redacted]lue came in lower than anticipated at $[redacted]k/$[redacted] total liens including bridge =[redacted]%. Buyer Comment (2026-05-26): Please see attached exception allowing for excluding departing residence with [redacted]% equity. |
05/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||
| 225558095 | [Redacted] | [Redacted] | 36419136 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure or other documentation verifying P&I of $[redacted]for [redacted] Loan on departure residence. | Reviewer Comment (2026-05-28): Received Closing Disclosure for [redacted] loan/Departure Residence of REO property: [redacted], Exception Cleared. Buyer Comment (2026-05-26): Please see attached CD for [redacted] loan |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225558095 | [Redacted] | [Redacted] | 36419157 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-05): Updated document provided Buyer Comment (2026-06-03): : DTI issue was resolved, appears loan should be designated Safe Harbor QM (APOR) Reviewer Comment (2026-05-28): [redacted] finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Buyer Comment (2026-05-26): Please see attached exception allowing for excluding departing residence with [redacted]% equity. |
06/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225558095 | [Redacted] | [Redacted] | 36419158 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | [Redacted] QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to DTI exceeding guideline. | Reviewer Comment (2026-06-05): Updated document provided Buyer Comment (2026-06-03): : DTI issue was resolved, appears loan should be designated Safe Harbor QM (APOR) Reviewer Comment (2026-05-28): [redacted] finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Buyer Comment (2026-05-26): Please see attached exception allowing for excluding departing residence with [redacted]% equity. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225558095 | [Redacted] | [Redacted] | 36419159 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to DTI exceeding guideline. | Reviewer Comment (2026-05-28): Lender Exception with Compensating Factors provided.[redacted]% equity in departing residence. Borrower is doing [redacted] loan on departing residence and need to be able to go to [redacted]% LTV. Appraisal [Redacted]lue came in lower than anticipated at $[redacted]k/$[redacted] total liens including bridge =[redacted]%. Buyer Comment (2026-05-26): Please see attached exception allowing for excluding departing residence with [redacted]% equity. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225558095 | [Redacted] | [Redacted] | 36419161 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[redacted]on the initial Loan Estimate but was disclosed as $[redacted]on the final Closing Disclosure. A [Redacted]lid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-05-28): [redacted] received [Redacted]lid COC document Buyer Comment (2026-05-26): Please see COC in [redacted] showing Appraisal Surcharge added. Also see appraisal invoice ([redacted]) breaking out the appraisal fee of $[redacted] and Surcharge of $[redacted] which is dated [redacted]. Attached I have provided a screen shot of the appraisal communication on [redacted] notifying [redacted]of the increased appraisal cost. COC and revised LE went out same day of notification. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225558095 | [Redacted] | [Redacted] | 36591278 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception [redacted]% equity in departing residence. Borrower is doing [redacted] Loan on departing residence and need to be able to go to [redacted]% LTV. Appraisal [Redacted]lue came in lower than anticipated at $[redacted]total liens including bridge =[redacted]%. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-03): [redacted]: Exception was provided, please clear/cancel/waive or explain if something additional is needed. |
06/05/2026 | Yes | 2 | B | B | B | B | B | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||
| 225558095 | [Redacted] | [Redacted] | 36884431 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: DTI | Reviewer Comment (2026-07-08): Cleared. DTI review reflects [redacted]%. Buyer Comment (2026-07-07): Please update departing residence debt. Borrower was approved using the Departing Residence guidelines which allows the borrower to be approved without qualifying with the departing residence debt. Per loan summary, your ratios still include the [redacted] loan with a payment of $[redacted]. This is causing a d[Redacted] discrepancy for DTI. |
07/08/2026 | No | 1 | A | A | A | A | A | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225558095 | [Redacted] | [Redacted] | 37582702 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Client request loan designation to be updated to Safe Harbor QM (apor) | Reviewer Comment (2026-09-16): Client request loan designation to be updated to Safe Harbor QM (apor) |
09/16/2026 | No | 2 | A | B | B | B | A | NC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225558441 | [Redacted] | [Redacted] | 36414723 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Calculated Annual Percentage Rate is [redacted]% and Final Closing Disclosure Annual Percentage Rate is [redacted]%, Annual Percentage Rate [Redacted]riance is [redacted]%. | Reviewer Comment (2026-06-05): Appraisal delivery receipt received is not within [redacted] business days prior to consummation. Buyer Comment (2026-06-03): [redacted]. Please clear. Reviewer Comment (2026-06-03): Require appraisal delivery receipt for the appraisal report dated [redacted]. Exception remains. Buyer Comment (2026-05-30): [redacted]. Please clear. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225558441 | [Redacted] | [Redacted] | 36414724 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-06-05): Appraisal delivery receipt received is not within [redacted] business days prior to consummation. Buyer Comment (2026-06-03): Please see attached. Reviewer Comment (2026-06-03): Require appraisal delivery receipt for the appraisal report dated [redacted]. Exception remains. Buyer Comment (2026-05-30): Please see attached. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225558441 | [Redacted] | [Redacted] | 36431371 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lendere exception appro[Redacted]l provided for non-warrantable condo due to presale. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-08): Client elects to waive with compensating factors. |
05/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | DC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225558441 | [Redacted] | [Redacted] | 36431497 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Source of Funds/Deposit not provided | Documentation required to evidence gift funds are either in the donor's account or have been transferred from the donor's account to the Applicant is not located in the file. | Reviewer Comment (2026-07-02): Received evidence gift funds were previously deposited into the borrower's account. Condition cleared. Buyer Comment (2026-07-01): [redacted] Reviewer Comment (2026-06-05): Require source of fund for gift fund received of $[redacted]. Provided bank statement does not reflect a[Redacted] transaction related to gift transfer. Buyer Comment (2026-06-03): What was uploaded is the gift letter - The donors account, and the borrowers account. What other items are needed? Reviewer Comment (2026-06-03): Source of Fund is missing for the Gift received $[redacted]. Require donor's account statement or evidence for the amount was deposited in the receiver's account. Exception remains. Buyer Comment (2026-05-30): Please see attached. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225558441 | [Redacted] | [Redacted] | 36431546 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Documentation required to evidence gift funds are either in the donor's account or have been transferred from the donor's account to the Applicant is not located in the file. | Reviewer Comment (2026-07-22): Received. requied document Reviewer Comment (2026-07-08): Reviewed all trailing documentation, however nothing was located to address the insufficient reserves. Condition remains. Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-07-02): UPDATE: The exception remains due to insufficient reserves due to evidence of gift funds were deposited into the borrower's account prior to closing. Buyer Comment (2026-07-01): [redacted] Reviewer Comment (2026-06-05): Require source of fund for gift fund received of $[redacted]. Provided bank statement does not reflect a[Redacted] transaction related to gift transfer. Buyer Comment (2026-06-03): [redacted]. Please clear. Reviewer Comment (2026-06-03): Source of Fund is missing for the Gift received $[redacted]. Require donor's account statement or evidence for the amount was deposited in the receiver's account. Exception remains. Buyer Comment (2026-05-30): [redacted]. Please clear. |
07/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | DC | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225558441 | [Redacted] | [Redacted] | 36431547 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Documentation required to evidence gift funds are either in the donor's account or have been transferred from the donor's account to the Applicant is not located in the file. | Reviewer Comment (2026-07-22): Received. requied document Reviewer Comment (2026-07-08): Reviewed all trailing documentation, however nothing was located to address the insufficient reserves. Condition remains. Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-07-02): UPDATE: The exception remains due to insufficient reserves due to evidence of gift funds were deposited into the borrower's account prior to closing. Buyer Comment (2026-07-01): [redacted] Reviewer Comment (2026-06-05): Require source of fund for gift fund received of $[redacted]. Provided bank statement does not reflect a[Redacted] transaction related to gift transfer. Buyer Comment (2026-06-03): [redacted]. Please clear. Reviewer Comment (2026-06-03): Source of Fund is missing for the Gift received $[redacted]. Require donor's account statement or evidence for the amount was deposited in the receiver's account. Exception remains. Buyer Comment (2026-05-30): [redacted]. Please clear. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225558441 | [Redacted] | [Redacted] | 36664845 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised [Redacted]luation to applicant [redacted] business days prior to consummation. Revised [Redacted]luation reflects clerical change only, no impact to compliant HPML determination. | Appraisal delivery receipt received is not within [redacted] business days prior to consummation. | Buyer Comment (2026-07-06): Please waive per [redacted] Reviewer Comment (2026-07-02): This is an [redacted] exception for informational purposes only. The updated appraisal was delivered to the borrower the day of closing which is not [redacted] days prior to closing. Client may waive. Buyer Comment (2026-07-01): Please see attached. |
07/06/2026 | No | 2 | B | B | B | B | B | DC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225558441 | [Redacted] | [Redacted] | 36870403 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on the lenders explanation of the gift funds being deposited into the borrower's account previously, these amounts had to be excluded from the borrower's account. This is causing a shortage in reserves. | Reviewer Comment (2026-07-22): Cleared. Updated asset to include the poc for appraisal. Reviewer Comment (2026-07-22): Client: We shouldn't need an invoice for the $[redacted]POC. I included it in the closing costs required figure before I subtracted that from the assets a[Redacted]ilable. Reviewer Comment (2026-07-22): We dont have a paid invoice for the $[redacted] POC. Please provide that and it should Clear the asset exception. Reviewer Comment (2026-07-22): Client: Hoping we can take another look at this one. The EMD cleared the [redacted] *[redacted] account on [redacted] on statement ending [redacted]. So we wouldn't need to bring that back as cash to close. Here's the Final CD Calculating Cash To Close: Section [redacted] shows EMD Paid Already, not required to pay again. Updated figures would be: [redacted] Due at closing [redacted] POC not verified [redacted] Closing Costs Required [redacted] * [redacted]= [redacted] reserve requirement TOTAL FUNDS REQUIRED VERIFIED: [redacted]= [redacted]+ [redacted] [redacted] [redacted] [redacted](after EMD cleared) [redacted] [redacted] [redacted] [redacted] Assets A[Redacted]ilable [redacted]- [redacted]= [redacted] EXCESS FUNDS Even if you don't do it that way, if you go based on the math you guys have provided below, we're still in excess: A[Redacted]ilable assets: $[redacted] - Cash to Close: $[redacted] $[redacted] a[Redacted]ilable for reserves Reserve requirement: $[redacted] $[redacted]- $[redacted]= $[redacted]EXCESS FUNDS Reviewer Comment (2026-07-22): Im coming up with the same figures. However I do not see a paid invoice for the $[redacted] POC. Funds to close $[redacted] Due at closing $[redacted] EMD $[redacted] POC $[redacted] Total required $[redacted] A[Redacted]ilable $[redacted] Funds $[redacted] Remaining $[redacted] Required reserves $[redacted] A[Redacted]ilable for reserves Reviewer Comment (2026-07-22): Client: So here is where I am confused. So as you stated, the a[Redacted]ilable funds are $[redacted] then the funds for closing are $[redacted] which leaves a remaining balance of $[redacted] So if we have $[redacted], how did it drop down to $[redacted]? Because if we use the same figures that you are using, if we take $[redacted] excluding the reserve requirement of $[redacted] that would leave us with $[redacted]. Reviewer Comment (2026-07-22): We have with the gift funds $[redacted] in a[Redacted]ilable funds. Funds to close $[redacted] Due at closing $[redacted] EMD $[redacted] POC $[redacted] Total required $[redacted] A[Redacted]ilable $[redacted] Funds $[redacted] Remaining $[redacted] Required reserves $[redacted] A[Redacted]ilable for reserves Reviewer Comment (2026-07-22): Client: Can we come back to this one. So here is what I show: Prior to a[Redacted] deposits in the clients account the client had $[redacted]. He got gift funds of $[redacted]. The cash to close was $[redacted]+ EMD of $[redacted]= $[redacted] The amount needed for reserves is $[redacted]. So I am confused as to how we don't have enough for reserves? Reviewer Comment (2026-07-22): The excluded funds are the gift funds ($[redacted]) that were deposited into the borrower's account prior to closing. Reviewer Comment (2026-07-22): Client: On the line of the gift funds its excluded $[redacted], can you tell me what that is? Reviewer Comment (2026-07-22): Via email conversation: I have attached a snip below for your review. Borrower has $[redacted] in assets which includes the gift funds. Funds needed for closing $[redacted]. Funds remaining after closing $ [redacted], Reserves required $[redacted]. Reviewer Comment (2026-07-06): PITIA Reserves months required for [redacted] months, provided assets reserve meets [redacted] months, require additional assets to meet the reserve requirement, Exception Remains. Buyer Comment (2026-07-06): Hey there. So we aren't counting the funds twice. Here are the calculations [redacted]- [redacted]- $[redacted] [redacted]- [redacted]- $[redacted] Total amount for closing = $[redacted] Total Remaining = $[redacted] Reserve requirement = $[redacted] Based on this we have enough to cover closing and reserves. Buyer Comment (2026-07-02): Please review the amounts again. The client brought $[redacted] to closing, per the final settlement statement. The amount for [redacted] months reserves would be $[redacted]. The total for those both would be $[redacted]. Even if you add in the EMD of $[redacted], the total would be $[redacted]. Which show that we have enough in reserves. Please clear condition. |
07/22/2026 | No | 1 | A | A | A | A | A | DC | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225559638 | [Redacted] | [Redacted] | 36420079 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC search for business entity is missing. | Reviewer Comment (2026-06-04): Received clear OFAC search for business entity. Exception cleared. Buyer Comment (2026-06-02): Please see attached. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | OR | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225559638 | [Redacted] | [Redacted] | 36420081 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-15): Received Title final and details verified in the file. Exception Cleared. |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 225559638 | [Redacted] | [Redacted] | 36432169 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted]reflect mortgages with outstanding balances in the amount of $[redacted]. HUD [redacted] does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have a negative impact on the final title policy. A blanket mortgage for [redacted]properties is on file. Need proof the entire mortgage is paid off. | Reviewer Comment (2026-06-15): Received Title final and details verified in the file. Exception Cleared. Buyer Comment (2026-06-11): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225559638 | [Redacted] | [Redacted] | 36432190 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Please provide a signed and dated guaranty agreement. | Reviewer Comment (2026-07-20): Guarantor Agreement, cleared Buyer Comment (2026-07-20): Please see attached. |
07/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225561935 | [Redacted] | [Redacted] | 36435421 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Missing visa to evidence the applicant's legal status. | Reviewer Comment (2026-05-22): Cleared. Per guidelines, Applicants who are citizens of [redacted] do not need to present a visa. Reviewer Comment (2026-05-18): Per guidelines, Applicants must provide a legible, [Redacted]lid foreign passport AND visa. A visa is not located in the file. Buyer Comment (2026-05-14): Please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225565444 | [Redacted] | [Redacted] | 36433651 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-07-07): Final title policy provided. Exception cleared. |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225565444 | [Redacted] | [Redacted] | 36433655 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-07): Final title policy provided. Exception cleared. Buyer Comment (2026-07-06): Please see attached title policy with the correct policy amount. |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225569208 | [Redacted] | [Redacted] | 36453188 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance and HOA verification documents for REO property. | Reviewer Comment (2026-06-10): Property not owned by borrowers, removed. Updated [redacted]with tax bill showing borrowers not owners Buyer Comment (2026-06-09): Property not owned by borrowers, removed. Updated [redacted]with tax bill showing borrowers not owners Reviewer Comment (2026-06-05): As per the final [redacted] (Doc ID [redacted]), the monthly taxes, insurance, and HOA are reflected as $[redacted]. Supporting documentation is required to [Redacted]lidate this amount; alternatively, a corrected [redacted] should be provided. Required the tax certificate and an LOE confirming that there is no HOA and no HOI for the subject property. Exception remains. Buyer Comment (2026-06-03): Property was free and clear and not located in an association. HOI not required on free and clear properties. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225569208 | [Redacted] | [Redacted] | 36478330 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to [Redacted]lue discrepancy. | Utilizing the lower of the [redacted]appraisals obtained, the LTV is [redacted]and exceeds max guideline of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-08): Lender exception with comp factors to use appraisal with Higher [Redacted]lue of $[redacted]. Buyer Comment (2026-07-06): Updated [redacted] and Lender Exception to allow appraised [Redacted]lue at [redacted] |
07/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225569208 | [Redacted] | [Redacted] | 36478331 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to [Redacted]lue discrepancy. | Utilizing the lower of the [redacted]appraisals obtained, the CLTV is [redacted]and exceeds max guideline of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-08): Lender exception with comp factors to use appraisal with Higher [Redacted]lue of $[redacted]. Buyer Comment (2026-07-06): Please see updated [redacted] and approved lender exception provided today. Reviewer Comment (2026-06-26): A separate appraisal report to support the upgrades and the higher [Redacted]lue is required. Buyer Comment (2026-06-24): Please see [redacted] pg [redacted] where the Unit Description/Additional Features states "Flooring upgrades and newer appliances noted" - can we have that appraisal amended by the appraiser to correct the property description in the next sentence that says [redacted] ; No updates in the prior [redacted] years, since the statements are contradictory? Reviewer Comment (2026-06-15): The $[redacted] [redacted] states no improvement in [redacted] year the other states within [redacted] years however the issue is the photos are the same. Need another appraisal report to support the upgrades and the higher [Redacted]lue. Buyer Comment (2026-06-12): LOE for improvments Buyer Comment (2026-06-12): apprasial Buyer Comment (2026-06-12): The original appraisal dated [redacted], reflecting a [Redacted]lue of $[redacted], was determined to be lower than expected considering the extensive reno[Redacted]tions and upgrades completed by the borrower. As a result, the second appraisal dated [redacted], with an appraised [Redacted]lue of $[redacted], was utilized for the subject property's [Redacted]luation. The borrower provided a Letter of Explanation (LOE) detailing the substantial improvements made to the property, including, but not limited to, new flooring, updated lighting, kitchen and bathroom reno[Redacted]tions, and the addition of smart home features. The LOE was reviewed and considered in the e[Redacted]luation of the property's current market [Redacted]lue. The reported improvements are further supported by the comments contained within the [redacted] appraisal's unit description section. [redacted] and the underwriter determined that the [redacted] appraisal, with a [Redacted]lue of $[redacted], is acceptable and consistent with applicable appraisal guidelines, which state: "Refinance Transactions - [Redacted]ly, collateral [Redacted]lue is calculated from the new appraised [Redacted]lue. For cash-out refinances where the property is owned less than [redacted] months as of the application date, the lesser of the pur[Redacted] price or appraised [Redacted]lue must be utilized. However, on properties owned less than [redacted] months prior to the mortgage loan application date, the current [Redacted]lue may be utilized provided a[Redacted] significant increases in [Redacted]lue over the period of ownership are justified by either the underwriter or appraiser." Additionally, the following guideline supports the use of the higher appraisal [Redacted]lue: "Appraisal Review Requirements - In instances where [redacted] appraisals are completed, additional review products are not required except as otherwise specified but may be provided at the discretion of the Compa[Redacted]." Based on the documented property improvements, the borrower's LOE, the appraiser's obser[Redacted]tions and commentary, and the applicable appraisal guidelines, the use of the [redacted] appraisal [Redacted]lue of $[redacted] is supported and considered acceptable to [redacted] and the underwriter. |
07/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225569208 | [Redacted] | [Redacted] | 36660484 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy : PPP | Reviewer Comment (2026-06-05): Prepayment details have been updated from document. Exception cleared. Buyer Comment (2026-06-04): Please see the attached Prepayment Addendum to the Note that confirm [redacted] is [redacted] months. Thank you. Buyer Comment (2026-06-04): Please see the attached Prepayment Addendum to the Note that confirms [redacted] months. Thank you. Buyer Comment (2026-06-04): Hello, please see the attached PrePayment Addendum to the Note that confirms that this loan closed with a [redacted]of [redacted]months. Thank you. |
06/05/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225569208 | [Redacted] | [Redacted] | 36697075 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | D[Redacted] discrepancy with DTI. bid tape DTI [redacted]%, Review DTI [redacted]%. The reason for this discrepancy is due to property which does not belong to borrower was considered in DTI. an updated bid tape for the DTI is required. | Reviewer Comment (2026-06-11): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Buyer Comment (2026-06-10): Requested bid tape correction |
06/11/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225569250 | [Redacted] | [Redacted] | 36451898 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non-Escrowed Property Costs over Year [redacted] provided on final CD. | Reviewer Comment (2026-07-13): [redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-07-10): please see attached lox\pccd with non escrowed hoa dues added to pages [redacted] & [redacted] Reviewer Comment (2026-06-03): The appraisal indicates HOA dues of $[redacted]/month. The acceptable amounts are [redacted], or [redacted] months. The allowable tolerance for the escrow account fields is $[redacted] for under disclosure and no penalty for over disclosure however the amount cannot exceed [redacted] months of calculated costs or less than [redacted] months. Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure. Buyer Comment (2026-06-02): Please see final CD to clear condition. |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 225569250 | [Redacted] | [Redacted] | 36451925 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on the Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No [Redacted]lid COC was provided for this change, nor evidence of cure. | Reviewer Comment (2026-06-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-06-02): Please see final CD, this credit has already been given to the borrower. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 225569250 | [Redacted] | [Redacted] | 36646376 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | No | 1 | A | A | A | A | A | IN | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 225574326 | [Redacted] | [Redacted] | 36461824 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Reviewer Comment (2026-05-20): Received Rider - PUD. Exception cleared. Buyer Comment (2026-05-18): Please see attached below. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225574326 | [Redacted] | [Redacted] | 36461846 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] days of the Note. | - | Verification of employment was obtained on [redacted], which is more than [redacted] days prior to the Note date ([redacted]). Lender exception approved for the VVOE not within [redacted] days prior to the note date. |
Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-18): Client elects to waive with compensating factors. Buyer Comment (2026-08-14): Please see attached full copy of lender exception to clear remaining conditions Reviewer Comment (2026-06-30): Received the duplicate verification from Equifax. The date on the document is [redacted], however this is not within [redacted] business days prior to the note date as required by guides. Buyer Comment (2026-06-26): Please see attached VVOE to clear conditions Reviewer Comment (2026-06-25): Received WVOE document from the employer [redacted]. However required verification of employment from the employer [redacted] within [redacted] business days to the note date. Exception Remains. Buyer Comment (2026-06-24): attached in the trailing document is for [redacted], kindly clear condition. Additionally, please see [redacted] pgs [redacted] for additional VVOE. Kindly remove condition Reviewer Comment (2026-06-24): Received VVOE is for employer [redacted] . However, a VVOE within [redacted]business days prior to the Note Date is required for employer [redacted], which has not been provided. Exception Remains. Buyer Comment (2026-06-23): Please see attached VVOE to clear conditions |
08/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| 225574326 | [Redacted] | [Redacted] | 36461860 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing timely verification of employment for wages and documentation verifying continuance of social security income for dependents, resulting in a loan designation discrepancy. | Reviewer Comment (2026-08-18): Lender provided a lender exception appro[Redacted]l for the date of the VVOE. Condition cleared. Reviewer Comment (2026-06-29): Required Verification of employment within [redacted] business days of the note for Borrower- [redacted] current employer [redacted] and continuance of Supplemental Social Security Income received on behalf of a child beneficiary has not been documented for borrower [redacted] and [redacted]. Exception Remains. provided This party verification of income doc id - [redacted] is more than [redacted]business days of note for [redacted]. Exception remains. Buyer Comment (2026-06-26): [redacted] Reviewer Comment (2026-06-24): Received VVOE is for employer [redacted]. However, a VVOE within [redacted] business days prior to the Note Date is required for employer [redacted], which has not been provided. Also, continuance of Supplemental Social Security Income received on behalf of a child beneficiary has not been documented. Exception Remains. Buyer Comment (2026-06-23): [redacted] |
08/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225574326 | [Redacted] | [Redacted] | 36461861 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing timely verification of employment for wages and documentation verifying continuance of social security income for dependents. | Reviewer Comment (2026-08-18): Lender provided a lender exception appro[Redacted]l for the date of the VVOE. Condition cleared. Reviewer Comment (2026-06-29): Required Verification of employment within [redacted] business days of the note for Borrower- [redacted] current employer [redacted] and continuance of Supplemental Social Security Income received on behalf of a child beneficiary has not been documented for borrower [redacted] and [redacted]. Exception Remains. provided This party verification of income doc id - [redacted] is more than [redacted] business days of note for [redacted]. Exception remains. Buyer Comment (2026-06-26): [redacted] Reviewer Comment (2026-06-24): Received VVOE is for employer [redacted]. However, a VVOE within [redacted]business days prior to the Note Date is required for employer [redacted], which has not been provided. Also, continuance of Supplemental Social Security Income received on behalf of a child beneficiary has not been documented. Exception Remains. Buyer Comment (2026-06-23): [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225574326 | [Redacted] | [Redacted] | 36473623 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Taxes were disclosed as $[redacted]on the initial Loan Estimate but was disclosed as $[redacted]on the final Closing Disclosure. A [Redacted]lid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-08-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-19): Please see attached copy of PCCD, LOX, label and check Reviewer Comment (2026-06-30): [redacted] received rebuttal comment and LE dated [redacted] which was already in file. However, the LE dated [redacted] has increased loan amount but transfer tax was not increased based on loan amount increase. The transfer tax was increased on LE dated [redacted] to $[redacted] which is [redacted] day from the date of change. Cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-06-26): Please see attached. COC was made on [redacted], the Loan Estimate was issued on [redacted] and signed on [redacted]. Kindly remove condition. Reviewer Comment (2026-06-25): [redacted] received rebuttal, if COC was received on [redacted] then LE should have been issued by [redacted] i.e. within [redacted] days of COC dated [redacted]. Please provide a[Redacted] missing LE if sent within [redacted] days of COC dated [redacted]. Buyer Comment (2026-06-24): Per the COC, the borrower received the Notice of changed circumstance on [redacted]. Kindly remove condition Reviewer Comment (2026-06-08): [redacted] received COC dated [redacted], however fee increased on LE dated [redacted] which is not within [redacted] days of COC dated [redacted]. Please provide [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-04): Please see attached copy of COC to clear condition Reviewer Comment (2026-05-29): [redacted] received rebuttal, however transfer tax fee is subject to [redacted]% tolerance not [redacted]% tolerance. Please provide [Redacted]lid COC for LE dated [redacted] why transfer tax fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-27): Title fees are not in the [redacted]% bucket, they are in the [redacted]% bucket. The fee increase is still within the [redacted]% threshold. Please remove condition |
08/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225578714 | [Redacted] | [Redacted] | 36459879 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Insurance shows different address than Note address. | Reviewer Comment (2026-07-09): Received Hazard Insurance with correct address. Exception cleared. Buyer Comment (2026-07-08): Please see attached updated [redacted] page showing correct address. The borrower switched insurance companies. Kindly remove condition Reviewer Comment (2026-05-22): The Note reflects the property address as '[redacted]', whereas the hazard insurance reflects '[redacted]'. A revised hazard insurance policy reflecting the exact address as stated in the Note is required. Exception remains. Buyer Comment (2026-05-20): Please see attached Insurance address matches subject address on [redacted]. Please remove the condition Reviewer Comment (2026-05-20): Note does not reflect "unit [redacted]" in recorded address. Exception Remains. Buyer Comment (2026-05-19): Please see doc [redacted] pgs [redacted]-[redacted]showing subject address is the same on the Note. Please remove condition |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225579704 | [Redacted] | [Redacted] | 36462327 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization are missing for business entity [redacted] Protected Series. | Reviewer Comment (2026-07-10): Received required documentation. Condition cleared. Buyer Comment (2026-07-08): Please see [redacted] ([redacted]th page), and [redacted] which continues on [redacted]. Per the borrower, these are all the Articles of Organization. Reviewer Comment (2026-06-17): The document referenced is the operating agreement the Articles of Organization/Formation for the borrowing entity was not located. Buyer Comment (2026-06-15): Articles of Organization are in [redacted] for [redacted]. [redacted] - [redacted] is attached to [redacted] as confirmed in these documents. Reviewer Comment (2026-06-10): The document provided is already included in our file along with the Certificate of Good Standing. However, we still require the Articles of Organization/Formation. Exception Remains. Buyer Comment (2026-06-09): Please see Schedule B of the Operating Agreement provided that includes [redacted] - [redacted] (it's on the last page in [redacted]) Reviewer Comment (2026-06-05): Received Articles of Organization for [redacted]. Require Articles of Organization for borrowing business entity [redacted] - [redacted]. Exception remains. Buyer Comment (2026-06-03): Please see attached corporate docs for [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225579704 | [Redacted] | [Redacted] | 36462333 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Not required for member. Please override. | Reviewer Comment (2026-06-05): [redacted] has signed Note as a member and member details are not required. Exception cleared. Buyer Comment (2026-06-03): Please clear/cancel/waive as [redacted] is not a borrower on this transaction |
06/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225586242 | [Redacted] | [Redacted] | 36474072 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-10): Title policy received with coverage amount, exception cleared Buyer Comment (2026-06-09): Please see attached updated title |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Pur[Redacted] | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225586242 | [Redacted] | [Redacted] | 36474109 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Issue was resolved with the Post-close CD; however, to fully cure the issue proof of delivery and a copy of the refund check for the underdisclosed amount are still required. | Reviewer Comment (2026-07-20): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-17): Please see attached Cure Check, PCCD, Cover Letter and proof in transit with [redacted] Reviewer Comment (2026-06-26): [redacted] received [redacted] PCCD. Lender credit cure was added for $[redacted], which with the remaining cure documents would be over the required cure amount for total underdisclosure. As previously noted, the TOP underdisclosure was only $[redacted] and this amount could also be used towards the lower finance charge underdisclosure of $[redacted]. Both amounts do not need refunded, as they both are related to the same fee(s) increase. LOE to borrower, copy of cure refund and proof of mailing would be required to finalize cure. Buyer Comment (2026-06-25): Please see attached PCCD showing the lender credit of $[redacted]. Can you confirm the PCCD is accurate before we send to borrower. Unable to track accurate fees on my end because of the updates made due to the [redacted] Reviewer Comment (2026-06-19): Cure for Finance Charge underdisclosure is $[redacted] and TOP is $[redacted]. The greater Finance charge cure amount can be used towards the TOP cure amount. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing to cure. Buyer Comment (2026-06-18): The borrower actually did pay the Extension Fees as showing on the borrowers Settlement Statement ([redacted]) therefore the PCCD was corrected moving the fees back to the borrower. Please clarify the total amount of cure required if applicable. (and is the cure inclusive of Cond [redacted] or in addition to Cond [redacted]?) Reviewer Comment (2026-06-09): It appears the cost of the extensions was passed from the seller at close to the buyer on the PCCD. The borrower may not be charged for mor after closing unless circumstances changed after closing. No [redacted] was located in the loan file. [redacted] recognizes that fees can be updated in dry funding state, however, testing methodology [Redacted]ly remains the same. Buyer Comment (2026-06-08): Please help identify where the difference is, the only thing I see different in financed fees is the Loan Safe Report of $[redacted] as this is a credit report fee. All other financed fees match with yours. |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225586242 | [Redacted] | [Redacted] | 36474110 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Issue was resolved with the Post-close CD; however, to fully cure the issue proof of delivery and a copy of the refund check for the underdisclosed amount are still required. | Reviewer Comment (2026-07-20): correct date Reviewer Comment (2026-07-20): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-17): Please see attached Cure Check, PCCD, Cover Letter and proof in transit with [redacted] Reviewer Comment (2026-06-26): [redacted] received [redacted] PCCD. Lender credit cure was added for $[redacted], which with the remaining cure documents would be over the required cure amount for total underdisclosure. As previously noted, the TOP underdisclosure was only $[redacted] and this amount could also be used towards the lower finance charge underdisclosure of $[redacted]. Both amounts do not need refunded, as they both are related to the same fee(s) increase. LOE to borrower, copy of cure refund and proof of mailing would be required to finalize cure. Buyer Comment (2026-06-25): Please see attached PCCD showing the lender credit of $[redacted]. Can you confirm the PCCD is accurate before we send to borrower. Unable to track accurate fees on my end because of the updates made due to the [redacted] Reviewer Comment (2026-06-19): Cure for Finance Charge underdisclosure is $[redacted] and TOP is $[redacted]. The greater Finance charge cure amount can be used towards the TOP cure amount. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing to cure. Buyer Comment (2026-06-18): The borrower actually did pay the Extension Fees as showing on the borrowers Settlement Statement ([redacted]) therefore the PCCD was corrected moving the fees back to the borrower. Please clarify the total amount of cure required if applicable. (and is the cure inclusive of Cond [redacted] or in addition to Cond [redacted]?) Reviewer Comment (2026-06-09): It appears the cost of the extensions was passed from the seller at close to the buyer on the PCCD. The borrower may not be charged for mor after closing unless circumstances changed after closing. No [redacted] was located in the loan file. [redacted] recognizes that fees can be updated in dry funding state, however, testing methodology [Redacted]ly remains the same. Buyer Comment (2026-06-08): Please help identify where the difference is, the only thing I see different in financed fees is the Loan Safe Report of $[redacted] as this is a credit report fee. All other financed fees match with yours. |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equi[Redacted]lent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225595536 | [Redacted] | [Redacted] | 36493930 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of d[Redacted] related to Occupancy. | - | Occupancy is investment, and as per co-borrower declaration, is updated as Yes for "Will you occupy the property". | Reviewer Comment (2026-06-09): Revised [redacted] received. Details verified and updated. Exception cleared. Buyer Comment (2026-06-05): revised [redacted] upld |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225595536 | [Redacted] | [Redacted] | 36494812 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in file. | Reviewer Comment (2026-06-09): E-sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-06-05): econsent and proof disclosures were also sent regular mail upld |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225595536 | [Redacted] | [Redacted] | 36494818 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing Hazard Insurance Policy in file. | Reviewer Comment (2026-06-09): Hazard Insurance Policy received and verified. Exception cleared. Buyer Comment (2026-06-05): hoi & rce upld |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225595536 | [Redacted] | [Redacted] | 36494823 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of employment via a letter from a CPA, EA, licensed tax preparer, or other third-party documentation is missing from the file. | Reviewer Comment (2026-07-09): Received post closing verification. Condition cleared. Reviewer Comment (2026-07-09): Provided SOS verification is post note dated, provide third party verification within [redacted] business days prior to the note date, exception remains. Buyer Comment (2026-07-07): please clear, [redacted] years of personal & business returns, balance sheets and cash flow analysis were provided in lieu of cpa letter. Reviewer Comment (2026-06-23): A business registry search can be used as a supporting or supplementary check, but cannot be treated as standalone third-party verification of employment history. Required letter from a CPA, EA, licensed tax preparer, or other third-party documentation. Exception remains Buyer Comment (2026-06-22): business search upld Reviewer Comment (2026-06-09): Per guidelines, employment history Verification is required via a letter from a CPA, EA, licensed tax preparer, or other third-party documentation, i.e., a regulatory agency. Buyer Comment (2026-06-05): please cancel, tax returns and P&L/balance sheets were provided |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225595536 | [Redacted] | [Redacted] | 36536798 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: [Redacted]luation occupancy differs from occupancy on loan appro[Redacted]l. | - | Appro[Redacted]l indicates property occupancy of "Investor"; however, the appraisal indicates owner occupancy. | Reviewer Comment (2026-06-25): Received corrected [redacted] appraisal document with the occupancy as Tenant. Exception Cleared. Buyer Comment (2026-06-24): revised apral upls |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225595552 | [Redacted] | [Redacted] | 36494966 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-08): E-sign consent evidence received, exception cleared Buyer Comment (2026-06-04): Please see attached. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225595552 | [Redacted] | [Redacted] | 36531276 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender used only P&I payment for REO [redacted] ; once taxes and insurance were included, DTI increased. | Reviewer Comment (2026-07-01): DTI is matching with Bid tape d[Redacted] -Exception cleared Buyer Comment (2026-06-30): Please review D[Redacted] Compare. The bid tape has been updated. Please clear condition. Reviewer Comment (2026-06-08): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. Buyer Comment (2026-06-04): Please see attached. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225595552 | [Redacted] | [Redacted] | 36531291 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI. | Reviewer Comment (2026-07-01): DTI is matching with bid tape d[Redacted]-Exception cleared Buyer Comment (2026-06-30): Waterfall Reviewer Comment (2026-06-08): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. Buyer Comment (2026-06-04): Waterfall. Please clear. |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225595552 | [Redacted] | [Redacted] | 36531292 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI. | Reviewer Comment (2026-07-01): DTI is matching with bid tape d[Redacted]-Exception cleared Buyer Comment (2026-06-30): Waterfall Reviewer Comment (2026-06-08): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. Buyer Comment (2026-06-04): Waterfall. Please clear. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225595552 | [Redacted] | [Redacted] | 36750360 | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) | Final CD reflects Section B total of $[redacted] but fees only totaled $[redacted] and differs $[redacted] in fee amounts. A[Redacted] CD addendums with additional fees should be provided for testing. | Reviewer Comment (2026-07-28): Received PCCD correcting inputs. Condition cleared. Buyer Comment (2026-07-24): Please see attached. Reviewer Comment (2026-07-16): There is an addition issue on the [redacted] in section [redacted]. The [redacted]indicates fees in section [redacted] add up to $[redacted], which is an error. The fees in section [redacted] actually add up to $[redacted]. We need a corrected PCCD, LOE and proof of mailing with the math accordingly adjusted in all effected d[Redacted] points in order to retest required transactional limits. Reviewer Comment (2026-07-16): As per provided [redacted], the sum of all the fees of section [redacted] is $[redacted] however, [redacted]reflects total fees $[redacted]. Please provide specific fee name which create the difference $[redacted] and provide updated [redacted]. Exception remains. Buyer Comment (2026-07-14): The fee is not incorrect. The wire fee of $[redacted] is [Redacted]lid. Please clear condition. Reviewer Comment (2026-07-09): If the fees are incorrect on the final CD, a PCCD correcting the issue would be required, in addition a letter to the borrower and evidence of borrowers receipt. Buyer Comment (2026-07-07): Please see final settlement statement which shows the wire fee of $[redacted]. Please clear condition. Reviewer Comment (2026-07-02): Reviewed the trailing final [redacted]doc which is a duplicate. The Wire fee is not located in section [redacted] Buyer Comment (2026-06-30): Your calculation is missing the $[redacted] for the Wire fee. Please see final settlement statement to clear condition. |
07/28/2026 | No | 1 | A | A | A | A | A | IN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| 225597325 | [Redacted] | [Redacted] | 36660675 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: FICO | Reviewer Comment (2026-06-30): Client states this has been resolved. Reviewer Comment (2026-06-23): Client asked to reopen. Reviewer Comment (2026-06-08): Foreign National Buyer Comment (2026-06-04): [redacted]used [redacted] as the only borrower is a foreign national which aligns with the guidelines. Please review. Thank you! |
06/30/2026 | No | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225602440 | [Redacted] | [Redacted] | 36521761 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] | Buyer Comment (2026-07-01): ** WAIVED ** Reviewer Comment (2026-06-30): Exception has been downgraded to [redacted] based on the trailing documentation provided. Reviewer Comment (2026-06-30): Re-executed Note provided reflecting borrowers as guarantors rather than individual borrowers (where prepays are prohibited). Buyer Comment (2026-06-26): Please see attached revised Note and Guaranty agreement to clear condition Reviewer Comment (2026-05-27): Only business purpose loans made to corporations will qualify for an exemption. On business purposes loans made to a business entity other than a corporation (such as an [redacted]), an exception will be cited as an [redacted]. For a borrower which is an individual, an [redacted]exception is cited. Buyer Comment (2026-05-22): Per [redacted], this condition can be cleared with documentation of the Business Purpose Certificate. Please remove condition Reviewer Comment (2026-05-22): Under [redacted] law, a prepayment penalty is not permitted to be charged to an [redacted]. Buyer Comment (2026-05-20): Please see doc [redacted]pg [redacted] showing borrower certification of business purpose. Please remove condition |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225602449 | [Redacted] | [Redacted] | 36522238 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Appraisal was not provided for the departing residence. Full PITIA was used in the calculation of DTI. HOA verification was not provided. | Reviewer Comment (2026-05-29): Letter of explanation, Pur[Redacted] Agreement and inspection report are provided and used [redacted] months of PITIA for reserves. Exception cleared. Buyer Comment (2026-05-27): Please see attached appraisal for subject property to clear condition Reviewer Comment (2026-05-26): Appraisal for departure residence is required. Exception Remains. Buyer Comment (2026-05-22): . Buyer Comment (2026-05-22): Please see attached below. [redacted]used [redacted] months of bank statements to confirm [redacted]dues. Please remove condition Reviewer Comment (2026-05-22): Mortgage statement associated however required [redacted]verification and appraisal for departure residence to clear this condition. Exception remains. Buyer Comment (2026-05-20): Please see doc [redacted]pg [redacted] showing mortgage statement for subject property. Please remove condition |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225602449 | [Redacted] | [Redacted] | 36522314 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI [Redacted]riance due to full PITIA for departing residence used in the calculation of DTI. Lender excluded departing residence PITIA. Evidence of sale or intention to sell was not provided in file. | Reviewer Comment (2026-05-29): Letter of explanation, Pur[Redacted] Agreement and inspection report are provided and used [redacted] months of PITIA for reserves. Exception cleared. Buyer Comment (2026-05-27): . Buyer Comment (2026-05-27): Please disregard previous statement. Attached is LOE stating intent to sell, currently under contract. Please remove condition. Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the [redacted] is required. Exception Remains. Buyer Comment (2026-05-22): Please see attached below. The borrower used a [redacted] loan for the subject property for funds to close, please remove conditions |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225602449 | [Redacted] | [Redacted] | 36522465 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing statement to verify sale of property was not provided.. | Reviewer Comment (2026-08-21): Received [redacted]documentation and evidence the property sold post closing. Cleared. Buyer Comment (2026-08-19): again, the borrower utilized [redacted] for the departing residence, and [redacted]conducted their own inspection. Per [redacted]guides, this is more than sufficient to clear all remaining conditions. Kindly ree[Redacted]luate and remove conditions Reviewer Comment (2026-08-18): All documents were re-reviewed including the contract with [redacted] which does indicate no contingencies, however [redacted] was not the end buyer. The contract between the borrower and the end buyer would be required. Buyer Comment (2026-08-14): Please see attached. Per [redacted]guides, the requirement of a CDA / AVM is ONLY required when it is a contingent contract, the borrowers contract with [redacted] (who completed the inspection) was not contingent. Kindly ree[Redacted]luate and remove remaining conditions Reviewer Comment (2026-07-30): Per guidelines, an appraisal or AVM is required to verify the [Redacted]lue. Buyer Comment (2026-07-28): The borrower utilized [redacted] for the departing residence. Previously attached was the full interior and exterior inspection for the departing residence. [redacted]feels as this is sufficient to clear all remaining conditions. Please ree[Redacted]luate and remove conditions Reviewer Comment (2026-07-20): Exception remains. Dup doc provided. Please provide appraisal for the departing property to exclude the property expense. Per guidelines, • A full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property • Additional reserves for the departing property, above and beyond all other requirements, as follows: o If appraisal indicates a marketing time of [redacted] months or less: [redacted]months PITIA o If appraisal indicates a marketing time of more than [redacted]months: [redacted]months PITIA • An Automated [Redacted]luation Model (AVM) or Broker Price Opinion (BPO) may be utilized in lieu of an appraisal report to document equity in the departing residence. If utilizing this option, [redacted] months of the departing residence's PITIA. If the property is owned free and clear, no [Redacted]luation is necessary and [redacted]months "TIA" of the subject is required. Buyer Comment (2026-07-16): Please see attached to clear conditions Reviewer Comment (2026-07-15): Please provide appraisal for the departing property to exclude the property expense. Per guidelines, • A full or exterior only appraisal evidencing the departing residence hast at least[redacted]% equity after deduction of all liens outstanding against the property • Additional reserves for the departing property, above and beyond all other requirements, as follows: o If appraisal indicates a marketing time of [redacted] months or less: [redacted]months PITIA o If appraisal indicates a marketing time of more than [redacted] months: [redacted] months PITIA • An Automated [Redacted]luation Model (AVM) or Broker Price Opinion (BPO) may be utilized in lieu of an appraisal report to document equity in the departing residence. If utilizing this option,[redacted] months of the departing residence's PITIA. If the property is owned free and clear, no [Redacted]luation is necessary and [redacted] months "TIA" of the subject is required. Buyer Comment (2026-07-13): Per [redacted]guides, the borrower can qualify for the passive asset program if the borrower has [redacted] months of PITIA PRIOR to the home selling. The departing residence can and has been sold post close. Please ree[Redacted]luate and remove condition Reviewer Comment (2026-07-13): The borrower's departure home did not sell until after this loan closing. These funds cannot be used for the subject transaction or for passive income. In addition, the departure home cannot be excluded due to missing the [Redacted]luation as required by lenders guides. Buyer Comment (2026-07-09): Please see attached closing statement for departing residence. Kindly remove remaining conditions Reviewer Comment (2026-07-06): Required closing statement if departure residence is sold to meet asset requirement. Exception remains. Buyer Comment (2026-07-02): Please see attached. The departing residence has sold. Kindly remove conditions Reviewer Comment (2026-06-23): Please provide updated UW worksheet for passive Asset Utitization that doesnt include the net proceeds from the sake of [redacted] OR. Without the funds from the departure residence, the borrower has insufficient funds for Passive asset income. Funds remaining prior to subject transaction are $[redacted] which includes the $[redacted]EMD. Funds to close $[redacted] EMD which equals $[redacted]. Buyer Comment (2026-06-19): The subject property is Pending Sale and under contract. Kindly remove condition Reviewer Comment (2026-06-04): Please provide updated UW worksheet for Passive Asset Utilization that does not include the net proceeds from the sale of [redacted] OR provide the final closing statement to support use of the net proceeds from the sale of [redacted]. Buyer Comment (2026-06-02): Please advise. With [redacted] months of reserves per the guidelines, the borrower qualifies for the Passive Asset Income. Please remove conditions Reviewer Comment (2026-06-02): UPDATE: Without the funds from the departure residence, the borrower has insufficient funds for Passive asset income. Funds remaining prior to subject transaction are $[redacted] which includes the $[redacted]k EMD. Funds to close $[redacted] EMD which equals $[redacted]. Buyer Comment (2026-06-01): The subject property is under contact and has not sold yet, please remove condition Reviewer Comment (2026-05-29): Closing statement to verify the proceeds $[redacted] from sale of departure residence is required. Exception remains. Buyer Comment (2026-05-27): waterfall Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the[redacted]is required. Exception Remains. Buyer Comment (2026-05-22): waterfall |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225602449 | [Redacted] | [Redacted] | 36522485 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI exceeding maximum allowable and missing asset document. | Reviewer Comment (2026-08-21): Received [redacted]documentation and evidence the property sold post closing. Cleared. Buyer Comment (2026-08-20): waterfall Reviewer Comment (2026-06-02): UPDATE: Without the funds from the departure residence, the borrower has insufficient funds for Passive asset income. Funds remaining prior to subject transaction are [redacted] which includes the $[redacted] EMD. Funds to close $[redacted] EMD which equals $[redacted]. Buyer Comment (2026-06-01): The subject property is under contact and has not sold yet, please remove condition Reviewer Comment (2026-05-29): Closing statement to verify the proceeds $[redacted] from sale of departure residence is required. Exception remains. Buyer Comment (2026-05-27): waterfall, please remove condition Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the [redacted] is required. Exception Remains. Buyer Comment (2026-05-22): waterfall |
08/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225602449 | [Redacted] | [Redacted] | 36522486 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI exceeding maximum allowable and missing asset document. | Reviewer Comment (2026-08-21): Received [redacted]documentation and evidence the property sold post closing. Cleared. Buyer Comment (2026-08-20): waterfall Reviewer Comment (2026-06-02): UPDATE: Without the funds from the departure residence, the borrower has insufficient funds for Passive asset income. Funds remaining prior to subject transaction are $[redacted] which includes the $[redacted]k EMD. Funds to close $[redacted] EMD which equals $[redacted]. Buyer Comment (2026-06-01): The subject property is under contact and has not sold yet, please remove condition Reviewer Comment (2026-05-29): Closing statement to verify the proceeds $[redacted] from sale of departure residence is required. Exception remains. Buyer Comment (2026-05-27): waterfall, please remove condition Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the [redacted] is required. Exception Remains. Buyer Comment (2026-05-22): waterfall |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225602449 | [Redacted] | [Redacted] | 36522487 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall due to DTI exceeding maximum allowable. | Reviewer Comment (2026-05-29): Letter of explanation, Pur[Redacted] Agreement and inspection report are provided and used [redacted]months of PITIA for reserves. Exception cleared. Buyer Comment (2026-05-27): waterfall, please remove condition Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the [redacted] is required. Exception Remains. Buyer Comment (2026-05-22): waterfall |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225602449 | [Redacted] | [Redacted] | 36522574 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]% due to full PITIA for departing residence being used in the calculation of DTI. | Reviewer Comment (2026-05-29): Letter of explanation, Pur[Redacted] Agreement and inspection report are provided and used [redacted] months of PITIA for reserves. Exception cleared. Buyer Comment (2026-05-27): waterfall, please remove condition Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the [redacted] is required. Exception Remains. Buyer Comment (2026-05-22): waterfall |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225602449 | [Redacted] | [Redacted] | 36540930 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Closing statement to verify sale of property was not provided. | Reviewer Comment (2026-06-02): Property has not sold as yet. condition cleared. Buyer Comment (2026-05-29): The subject property is under contact and has not sold yet, please remove condition Reviewer Comment (2026-05-29): Closing statement to verify the proceeds $[redacted] from sale of departure residence is required. Exception remains. Buyer Comment (2026-05-27): waterfall, please remove condition Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the [redacted] is required. Exception Remains. Buyer Comment (2026-05-22): waterfall |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225602449 | [Redacted] | [Redacted] | 36540931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing asset document. | Reviewer Comment (2026-06-02): Property is not sold as yet. This condition is cleared. Reviewer Comment (2026-06-02): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) Reviewer Comment (2026-05-29): Closing statement to verify the proceeds $[redacted] from sale of departure residence is required. Exception remains. Buyer Comment (2026-05-27): waterfall, please remove condition Reviewer Comment (2026-05-26): Final closing statement for the departure residence of the [redacted] Loan is required. Exception Remains. Buyer Comment (2026-05-22): waterfall |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225602449 | [Redacted] | [Redacted] | 36639156 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the required [Redacted]luation product on the borrower's departure residence as required by lender guides to ensure [redacted]% equity. | Reviewer Comment (2026-07-13): Exception updated. Reviewer Comment (2026-07-06): Required closing statement if departure residence is sold. Exception remains. Buyer Comment (2026-07-02): waterfall Reviewer Comment (2026-06-04): Per guidelines, A full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property is required. Buyer Comment (2026-06-03): waterfall |
07/13/2026 | No | 1 | A | A | A | A | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225602449 | [Redacted] | [Redacted] | 36639186 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Per lender rebuttal, the departure residence had not sold as of the closing date, thereby causing insufficient funds to close and for reserves. | Reviewer Comment (2026-08-18): Borrower received a contract from [redacted][redacted] which is a non contingency contract which gives the borrower a [redacted] loan for[redacted] days and must be paid off. This condition cleared. Reviewer Comment (2026-07-06): Required closing statement if departure residence is sold to meet asset requirement. Exception remains. Buyer Comment (2026-07-02): waterfall Reviewer Comment (2026-06-04): Please provide additional assets to support $[redacted]. reserves. Buyer Comment (2026-06-03): waterfall, please see above |
08/18/2026 | No | 1 | A | A | A | A | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225602449 | [Redacted] | [Redacted] | 36639212 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Per lender rebuttal, the borrower's departure residence has not sold as of the closing date which is causing insufficient funds for closing and reserves. | Reviewer Comment (2026-08-18): Borrower received a contract from[redacted] which is a non contingency contract which gives the borrower a [redacted] loan for [redacted] days and must be paid off. This condition cleared. Reviewer Comment (2026-07-06): Required closing statement if departure residence is sold to meet asset requirement. Exception remains. Buyer Comment (2026-07-02): waterfall Reviewer Comment (2026-06-04): Please provide additional assets to support $[redacted] funds to close. Closing statement for proceeds from the sale of real estate that is noted on the [redacted] is not located in the file. Buyer Comment (2026-06-03): waterfall, please see above |
08/18/2026 | No | 1 | A | A | A | A | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225602449 | [Redacted] | [Redacted] | 36961095 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Appraisal/[Redacted]luation is required to determine [redacted]% equity on the departure residence to allow for exclusion. | Reviewer Comment (2026-08-18): Borrower received a contract from [redacted]which is a non contingency contract which gives the borrower a [redacted] for [redacted] days and must be paid off. This condition cleared. |
08/18/2026 | No | 1 | A | A | A | A | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225602449 | [Redacted] | [Redacted] | 37258277 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI does not meet lender guides. | Reviewer Comment (2026-08-18): Property sold. Condition cleared. |
08/18/2026 | No | 1 | A | A | A | A | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225602465 | [Redacted] | [Redacted] | 36495774 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Verified assets in the amount of $[redacted]are insufficient to meet the reserves requirement and cash to close in the amount of $[redacted]. | Reviewer Comment (2026-05-26): Provided proof of funds of $[redacted] transferred prior to closing. Exception Cleared. Buyer Comment (2026-05-21): Please see attached borrower also has $[redacted] in mutual funds. Total assets amount in $[redacted]. Please remove condition |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602465 | [Redacted] | [Redacted] | 36495791 | Credit | System | [Redacted] | Appraisal Reconciliation | [Redacted]luation address does not match Note address. | - | Address mismatch; per Note, the subject address has zip [redacted] , however, the appraisal shows zip [redacted]. | Reviewer Comment (2026-08-31): Received Revised Note - Subject Lien with address matching the [Redacted]luation. Exception cleared. Buyer Comment (2026-08-27): Please see attached copy of signed revised Note to clear remaining conditions |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225602465 | [Redacted] | [Redacted] | 36495793 | Credit | System | [Redacted] | System | Flood Certificate Subject Address does not match Note address. | Address mismatch; per Note, the subject address has zip [redacted], however, the flood certificate shows zip [redacted]. | Reviewer Comment (2026-08-31): Received Revised Note - Subject Lien with address matching the Flood Certificate. Exception cleared. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602465 | [Redacted] | [Redacted] | 36495796 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Address mismatch; per Note, the subject address has zip [redacted], however, the flood certificate shows zip [redacted]. | Reviewer Comment (2026-08-31): Received Revised Note - Subject Lien with address matching the Insurance Policy. Exception cleared. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602465 | [Redacted] | [Redacted] | 36495810 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Insufficient funds for reserves; additional assets are required to fulfill the reserve requirement. | Reviewer Comment (2026-05-26): Provided proof of funds of $[redacted] transferred prior to closing. Exception Cleared. Buyer Comment (2026-05-21): With additional $[redacted] in mutual funds, borrower is in guidelines regarding reserves. Please remove condition. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602465 | [Redacted] | [Redacted] | 37265882 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - FICO | Reviewer Comment (2026-08-20): Cleared. The d[Redacted] entry for FICO has been corrected. Buyer Comment (2026-08-18): [redacted]respectfully disagrees with [redacted]FICO designation. Per Guideline, DSCR [Redacted] loans use the highest middle score. [redacted], [redacted], has the highest middle FICO at [redacted]. Please review [redacted]and update[redacted] Thanks! |
08/20/2026 | No | 1 | A | A | A | A | A | MO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225602465 | [Redacted] | [Redacted] | 37410402 | Credit | System | [Redacted] | System | Security Instrument address does not match Note address. | Address mismatch; per Note, the subject address has zip [redacted], however, the security Instrument shows zip [redacted]. | Reviewer Comment (2026-09-03): Cleared. Received Scrivener's affidavit. Buyer Comment (2026-09-01): Please see attached copy of executed Scrivener's affidavit to clear this condition Reviewer Comment (2026-09-01): Address mismatch; per Note, the subject address has zip [redacted], however, the security Instrument shows zip [redacted]. Please Provided updated security instrument with property address corrected. Exception remains. Buyer Comment (2026-08-31): waterfall |
09/03/2026 | No | 1 | A | A | A | A | A | MO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225604415 | [Redacted] | [Redacted] | 36497531 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | Reviewer Comment (2026-05-22): The blanket flood insurance policy has already been provided along with the premium amount. Exception Cleared. Buyer Comment (2026-05-21): Please see doc [redacted]pg [redacted] showing total premium for policy in the amount of $[redacted]. Please remove condition |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225604415 | [Redacted] | [Redacted] | 36497568 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape [redacted] does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Reviewer Comment (2026-08-24): Received updated worksheet. Condition cleared. Buyer Comment (2026-08-21): Please see attached copy of revised DSCR worksheet. Kindly remove condition Reviewer Comment (2026-08-21): Received short term rentalizer from [redacted] with $[redacted]/monthly projected income. Considered [redacted] which is $[redacted]. Re-calculated DSCR is $[redacted]. Require revised DSCR worksheet with [redacted] DSCR. Exception remains. Buyer Comment (2026-08-19): Please see attached. HOA dues per the questionnaire should be $[redacted], not $[redacted]. Also, revenue of $[redacted]per Air DNA at [redacted]. Supporting and documenting $[redacted] monthly rent, not $[redacted] Reviewer Comment (2026-07-31): Updated Bid Tape provided. Reviewer Comment (2026-07-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted] Reviewer Comment (2026-07-24): Due diligence review DSCR is [redacted]. Bid Tape reflects [redacted]. Require Bid tape to be updated to match diligence DSCR. Exception remains. Buyer Comment (2026-07-22): Bid tape should match Diligence DSCR. Kindly remove condition Reviewer Comment (2026-07-14): Bid tape DSCR is [redacted] which is not matching with DSCR worksheet and calculated DSCR of[redacted]. Exception remains. Buyer Comment (2026-07-13): Bid tape has been updated. Kindly remove condition Reviewer Comment (2026-07-07): The exception will be revisited once the updated bid tape is received. Buyer Comment (2026-07-02): Bid tape has been updated. Kindly remove condition Reviewer Comment (2026-05-29): Received UW worksheet reflecting [redacted] DSCR however theBid Tape reflects [redacted].An updated Bid tape for the DSCR is required. Buyer Comment (2026-05-27): Please see attached DSCR worksheet supporting DSCR at [redacted]. Please remove condition Reviewer Comment (2026-05-22): As per the comparable rent schedule, the market rent is $[redacted]. Please provide supporting proof for the correct market rent along with the DSCR worksheet. Exception remains. Buyer Comment (2026-05-21): G[Redacted] rent is $[redacted]. DSCR score remains at [redacted], please remove condition Reviewer Comment (2026-05-20): Due diligence review DSCR si [redacted] however Bid Tape reflects [redacted]. UW worksheet is not located in the file. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225612581 | [Redacted] | [Redacted] | 36532026 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-07-06): Guaranty Agreement received. Buyer Comment (2026-07-01): Guaranty agreement signed |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225612581 | [Redacted] | [Redacted] | 36879168 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted]. | EV2 exception for prepayment penalty in a [redacted] loan with borrowing business entity. | Buyer Comment (2026-07-09): Ok to waive per CNR |
07/09/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||||||
| 225614107 | [Redacted] | [Redacted] | 36530778 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Issue date and product d[Redacted] is missing in provided Closing Disclosure. | Reviewer Comment (2026-07-06): Received required documentation. Condition cleared. Buyer Comment (2026-07-02): Please see attached Correspondence with title. They don't do an ALTA, Therefor they provided the CD and balance sheet. CD is in[redacted]) signed by the borrower as the borrower entity. All pages are included, making it a complete document. Reviewer Comment (2026-07-01): Received incomplete closing disclosure along with seller closing disclosure. Provide executed final HUD/closing statement. Exception remains Buyer Comment (2026-06-29): Please see attached closing statements received from title. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225627851 | [Redacted] | [Redacted] | 36540729 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds guideline due to incorrect calculation of co-borrower's income. The [redacted] reflects ordinary business income of $[redacted]. The income worksheet indicates that lender used $[redacted]. | Reviewer Comment (2026-08-05): BID Tape d[Redacted] updated, rental income of $[redacted] considered. DTI lowered to [redacted]%. Buyer Comment (2026-08-04): please clear, the bid tape has been updated - dti is [redacted]% Reviewer Comment (2026-07-31): This exception can be cleared only after the bid tape is updated. Exception remains. Buyer Comment (2026-07-29): revised [redacted] upld, bid tape correction has been requested, dti is [redacted]% Reviewer Comment (2026-07-27): Reviewed the updated [redacted], however the income used is much higher with no supporting documentation. It also appears no rental is still not being used. Condition remains. Buyer Comment (2026-07-23): revised [redacted] upld Reviewer Comment (2026-07-23): Using the rental income the DTI drops to [redacted]%, provide updated [redacted] along with correction in the Bid Tape to clear this exception , exception remains. Buyer Comment (2026-07-21): rebuttal upld |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225627851 | [Redacted] | [Redacted] | 36540732 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI exceeds guideline due to incorrect calculation of co-borrower's income. The [redacted] reflects ordinary business income of $[redacted] . The income worksheet indicates that lender used $[redacted]. | Reviewer Comment (2026-08-05): BID Tape d[Redacted] updated, rental income of $[redacted] considered. DTI lowered to [redacted]%. Buyer Comment (2026-08-04): please clear, the bid tape has been updated - dti is [redacted]% Reviewer Comment (2026-07-31): This exception can be cleared only after the bid tape is updated. Exception remains. Buyer Comment (2026-07-29): revised [redacted] upld to trl docs, bid tape correction has been requested, dti is [redacted]% Reviewer Comment (2026-07-27): Reviewed the updated [redacted], however the income used is much higher with no supporting documentation. It also appears no rental is still not being used. Condition remains. Reviewer Comment (2026-07-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-07-23): revised [redacted] upld to trl docs Reviewer Comment (2026-07-23): Using the rental income the DTI drops to [redacted]%, provide updated [redacted] along with correction in the Bid Tape to clear this exception , exception remains. Buyer Comment (2026-07-21): rebuttal upld to trl docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225630163 | [Redacted] | [Redacted] | 36540418 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] for foreign national. Lender approved exception for [redacted] months reserves. |
Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DSCR on the loan is greater than the guideline minimum. |
The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-07-07): Client elects to waive with compensating factors. Buyer Comment (2026-07-02): Please see attached attestation for compensating factors Reviewer Comment (2026-06-25): Lender exception appro[Redacted]l, post-closing, provided for borrower is a [redacted] national and needs[redacted] months reerves. Requsting reconsideration to allow wor [redacted] months PITI reserves. Unable to downgrade/waive the exception due to insufficient compensating factors. Buyer Comment (2026-06-23): Please see updated exception allowing for [redacted] months reserves. Reviewer Comment (2026-06-11): The total cash required from the borrower is calculated as follows: $[redacted] (funds required) + $[redacted] (EMD) + $[redacted](POC) = $[redacted]. Additionally,[redacted] months of reserves are required, calculated as: $[redacted]. Therefore, the total cash required, including reserves, is $[redacted]. The borrower's a[Redacted]ilable assets support only [redacted] months of reserves, which is below the reserves requirement. Exception Remains. Buyer Comment (2026-06-10): : Using EMD borr has [redacted] in reserves. EMD was fully verified as clearing prior to asset verification. Funds came from [Redacted] #[redacted][redacted] in the amount of [redacted]and the additional Service charge of $[redacted]same day (wire payment to verify amounts in [redacted]) and wired to Closing [Redacted] ([redacted]). |
07/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||
| 225635150 | [Redacted] | [Redacted] | 36538553 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Discrepancy is from not utilizing co-borrower income. | Reviewer Comment (2026-08-13): Received Updated [redacted] and DTI is matching. Exception cleared. Buyer Comment (2026-08-11): Please see attached copy of transmittal summary showing DTI matches at [redacted]. Kindly ree[Redacted]luate and remove remaining conditions Reviewer Comment (2026-07-31): DTI [Redacted]riance is due to liabilities of borrower [redacted] are not included in debts as per Credit Report Doc ID [redacted]and [redacted] is not reflecting HTI and DTI. Exception remains. Buyer Comment (2026-07-29): Bid tape is at [redacted], yet condition is stating [redacted]. Please advise where the discrepancy is coming from so [redacted]can advise. Thank you. Reviewer Comment (2026-06-02): Provided revised [redacted]reflecting joint credit and note also signed by both borrower. Calculated DTI still remains same [redacted]%.Exception remains. Buyer Comment (2026-05-29): Please see revised [redacted] to clear conditions Reviewer Comment (2026-05-29): All final documents signed by both borrower and co-borrower. Total calculated expenses are $[redacted] included subject PITIA-$[redacted]+Credit debt $[redacted] and total income used to qualify-$[redacted]. Hence DTI remains [redacted]%. Exception remains. Buyer Comment (2026-05-27): There is no Co-Applicant on this loan. DTI remains at [redacted] Kindly remove the condition |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635150 | [Redacted] | [Redacted] | 36547109 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The DTI exceeds the maximum [Redacted]riance allowed, causing the loan to waterfall through QM Testing, resulting in a Loan Designation discrepancy. | Reviewer Comment (2026-06-02): DTI matched with bid tape debt ratio. Exception cleared. Reviewer Comment (2026-06-02): Provided revised [redacted] reflecting joint credit and note also signed by both borrower. Calculated DTI still remains same [redacted]%.Exception remains. Buyer Comment (2026-06-01): waterfall Reviewer Comment (2026-05-29): All final documents signed by both borrower and co-borrower. Total calculated expenses are $[redacted] included subject PITIA-$[redacted]+Credit debt $[redacted] and total income used to qualify-$[redacted]. Hence DTI remains [redacted]%. Exception remains. Buyer Comment (2026-05-27): waterfall |
06/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225635150 | [Redacted] | [Redacted] | 36547110 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The DTI exceeds the maximum [Redacted]riance allowed, causing the loan to waterfall through QM Testing. | Reviewer Comment (2026-06-02): DTI matched with bid tape debt ratio. Exception cleared. Reviewer Comment (2026-06-02): Provided revised [redacted] reflecting joint credit and note also signed by both borrower. Calculated DTI still remains same [redacted]%.Exception remains. Buyer Comment (2026-06-01): waterfall Reviewer Comment (2026-05-29): All final documents signed by both borrower and co-borrower. Total calculated expenses are $[redacted] included subject PITIA-$[redacted]Credit debt $[redacted] and total income used to qualify-$[redacted]. Hence DTI remains [redacted]%. Exception remains. Buyer Comment (2026-05-27): waterfall |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635150 | [Redacted] | [Redacted] | 37096379 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Reviewer Comment (2026-08-13): Received Updated [redacted] and DTI is matching. Exception cleared. Buyer Comment (2026-08-11): waterfall Reviewer Comment (2026-07-31): DTI [Redacted]riance is due to liabilities of borrower [redacted] are not included in debts as per Credit Report Doc ID [redacted]and [redacted]is not reflecting HTI and DTI. Exception remains. Buyer Comment (2026-07-29): Bid tape is at [redacted], yet condition is stating [redacted]. Please advise where the discrepancy is coming from so [redacted]can advise. Thank you. |
08/13/2026 | No | 1 | A | A | A | A | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| 225635156 | [Redacted] | [Redacted] | 36537522 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Bank statements not provided for annuity paying $[redacted]per month. | Reviewer Comment (2026-06-10): Received post closing [redacted] and [redacted] shows $[redacted] Annuity income is not considered, Exception cleared. Buyer Comment (2026-06-09): Please see revised [redacted] to clear all remaining conditions Reviewer Comment (2026-06-09): We would also require updated [redacted] excluding Annuity Income of $[redacted] per month as per the revised [redacted] application [redacted]. Exception remains. Buyer Comment (2026-06-05): Please see attached [redacted] and adjust your calculations to clear remaining conditions Reviewer Comment (2026-05-29): Provided bank statement not reflecting annuity amount, please provide annuity statement or bank statement. Exception remains. Buyer Comment (2026-05-28): Please see attached to clear condition. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225635156 | [Redacted] | [Redacted] | 36537744 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing income and asset documentation as well as missing [Redacted]luation for the departing residence to meet guidelines for excluding the payment. | Reviewer Comment (2026-07-06): DTI updated in Tape d[Redacted]. Exception cleared Reviewer Comment (2026-05-29): Provided closing disclosure not signed, please provide signed and dated closing disclosure. Exception remains. Buyer Comment (2026-05-28): waterfall |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225635156 | [Redacted] | [Redacted] | 36537745 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income and asset documentation as well as missing [Redacted]luation for the departing residence to meet guidelines for excluding the payment. | Reviewer Comment (2026-07-06): DTI updated in Tape d[Redacted]. Exception cleared Buyer Comment (2026-07-02): Please see attached signed CD to clear conditions Reviewer Comment (2026-05-29): Provided closing disclosure not signed, please provide signed and dated closing disclosure. Exception remains. Buyer Comment (2026-05-28): waterfall |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225635156 | [Redacted] | [Redacted] | 36545999 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Bank statements not provided for annuity paying $[redacted]per month. | Reviewer Comment (2026-06-10): Received post closing [redacted] and [redacted] shows $[redacted] Annuity income is not considered, Exception cleared. Reviewer Comment (2026-05-29): Provided bank statement not reflecting annuity amount, please provide annuity statement or bank statement. Exception remains. Buyer Comment (2026-05-28): Please see attached to clear condition |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225635156 | [Redacted] | [Redacted] | 36546002 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income and asset documentation as well as missing [Redacted]luation for the departing residence to meet guidelines for excluding the payment. | Reviewer Comment (2026-06-10): Received post closing [redacted] and [redacted] shows $[redacted] Annuity income is not considered, Exception cleared. Reviewer Comment (2026-05-29): Provided closing disclosure not signed, please provide signed and dated closing disclosure. Exception remains. Buyer Comment (2026-05-28): waterfall |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225635156 | [Redacted] | [Redacted] | 36553106 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | File is missing the required full or exterior only appraisal on the departing residence to document the required minimum [redacted]% equity as per the Departing Residence guidelines. | Reviewer Comment (2026-05-29): Received appraisal document for the departing residence. Exception cleared. Buyer Comment (2026-05-28): Please see attached Appraisal for departing residence to clear condition |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225635156 | [Redacted] | [Redacted] | 36553121 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing all documentation for the [redacted] Loan obtained and used for funds to close. | Reviewer Comment (2026-06-05): Received Closing Disclosure for [redacted] Loan. However, Require Bank Statement to Verify Annuity Amount of $[redacted] per month. Exception cleared. Buyer Comment (2026-06-03): Please see attached Closing Disclosure to clear conditions Reviewer Comment (2026-05-29): Provided closing disclosure not signed, please provide signed and dated closing disclosure. Exception remains. Buyer Comment (2026-05-28): Please see attached [redacted] for[redacted] loan to clear condition |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225635156 | [Redacted] | [Redacted] | 36553146 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing all documentation for the [redacted] Loan obtained and used for funds to close. | Reviewer Comment (2026-06-05): Received Closing Disclosure for[redacted]Loan. However, Require Bank Statement to Verify Annuity Amount of $[redacted] per month. Exception cleared. Buyer Comment (2026-06-03): waterfall Reviewer Comment (2026-05-29): Provided closing disclosure not signed, please provide signed and dated closing disclosure. Exception remains. Buyer Comment (2026-05-28): waterfall, please remove condition |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225635156 | [Redacted] | [Redacted] | 36553268 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance in file for the increased fees and no evidence of a tolerance cure. | Reviewer Comment (2026-07-27): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-24): Please see attached copy of PCCD, LOX, LABEL and CHECK .Kindly remove condition Reviewer Comment (2026-07-09): [redacted] received rebuttal comment and the reason provided is not [Redacted]lid for increase in [redacted]% fees. In the event if no [Redacted]lid reason provided for adding additional settlement fee a cure of $[redacted] will be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-07-08): The Settlement Fee and Closing fee are fees listed under section [redacted] of the CD. We disclosed the fees once we received the HUD from title. [redacted]disclosed accordingly. [redacted] feels as if this is enough to clear the condition and no further action is needed. Kindly remove condition Reviewer Comment (2026-06-05): [redacted] received CD dated [redacted] which Title - Settlement fee was not disclosed under section [redacted] but as per final CD in file dated [redacted] the settlement fee was disclosed under section [redacted]. If the fee is paid to real estate and optional and borrower chosen then it should be disclosed under section [redacted] of the CD with correct payee name. Please provide corrected PCCD and LOE along with the true and certified final SS. Buyer Comment (2026-06-03): In attached copy of Title confirming fees, the [redacted] was the Real Estate Closing fee, and should not be included in the [redacted]% threshold. Kindly remove the condition Reviewer Comment (2026-06-02): [redacted] received rebuttal and email from title but as per final CD the total of [redacted]% fees are exceeded the [redacted]% tolerance by $[redacted]. The total Title - Settlement/Closing Fee disclosed on initial LE was $[redacted]but on final CD the fee charged was [redacted]) without providing a[Redacted] [Redacted]lid COC in file. Please provide information as to what changed circumstance occurred (as defined under [redacted] that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-05-29): Please see attached email from Title to remove condition |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225635156 | [Redacted] | [Redacted] | 36553269 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance in file for the increased fees and the cure provided at closing was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-05-21): Cured at closing or within[redacted] days of consummation prior to [redacted] review |
05/21/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225635156 | [Redacted] | [Redacted] | 36704004 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | [Redacted]riance between Bid Tape Qualifying Total Debt Ratio: [redacted]% and [redacted] Qualifying Total Debt Ratio: [redacted]% [Redacted]riance is more than [redacted]%. | Reviewer Comment (2026-07-06): DTI updated in Tape d[Redacted]. Exception cleared Buyer Comment (2026-07-02): Bid tape has been updated. Kindly remove condition Reviewer Comment (2026-06-15): Received updated [redacted] with correct DIT, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-11): Revised [redacted]DTI is at [redacted]. Kindly remove condition |
07/06/2026 | No | 1 | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225635159 | [Redacted] | [Redacted] | 36539711 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification missing for [redacted], | Reviewer Comment (2026-05-29): Insurance Verification document received and associated. Exception Cleared. Seller Comment (2026-05-29): Attached is complete Dec page for HOI for [redacted] Seller Comment (2026-05-28): HOI Reviewer Comment (2026-05-27): Insurance Verification required for property -[redacted]. Provided document is for [redacted]. Exception remains. Seller Comment (2026-05-26): Supplemental Credit showing payments on [redacted] Seller Comment (2026-05-26): Documentation for [redacted] |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541775 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Account Statements is missing of Business "[Redacted] [redacted]" Bank - [redacted], Account # [redacted] Month - [redacted] | Reviewer Comment (2026-05-28): Received [redacted]month bank statement. Exception Cleared. Seller Comment (2026-05-26): [redacted] statement |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541797 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | CPA letter is not signed and dated. | Reviewer Comment (2026-05-28): Received CPA Letter. Exception Cleared. Seller Comment (2026-05-26): CAP LETTER SIGNED AND DATED |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541805 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Telephone Listing / Internet Search / Directory Assistance is not dated | Reviewer Comment (2026-05-28): Received dated [redacted] Exception Cleared. Seller Comment (2026-05-26): [redacted]dated - if this is not what you are looking for, please be specific |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541808 | Credit | Property - Appraisal | Appraisal D[Redacted] Integrity | Property - Appraisal | Possible [redacted] violation, appraisal is not complete and may not offer substantial backing for [Redacted]lue. | - | Reviewer Comment (2026-05-28): Received Appraisal Report. Exception Cleared. Seller Comment (2026-05-26): COMPLETED APPRAISAL |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541839 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Account Statements is missing of Business "[Redacted] [redacted]" Bank - [redacted] Month - [redacted] | Reviewer Comment (2026-05-28): Received [redacted]month bank statement. Exception Cleared. Seller Comment (2026-05-26): [redacted] STMT |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541840 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification the use of business funds will not have negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-05-28): Received dated CPA letter. Exception Cleared. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing Account Statements is missing of Business "[redacted], Account # [redacted] Month - [redacted] , ATR Failed | Reviewer Comment (2026-05-28): Received [redacted]month bank statement. Exception Cleared. Seller Comment (2026-05-26): [redacted] STMT |
05/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225635160 | [Redacted] | [Redacted] | 36541858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing Account Statements is missing of Business "[redacted], Account # [redacted] Month - [redacted], ATR Failed | Reviewer Comment (2026-05-28): Received [redacted]month bank statement. Exception Cleared. Seller Comment (2026-05-26): [redacted] STMT |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541876 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Asset documentation is missing | Reviewer Comment (2026-05-28): Cash-out proceeds are being used to satisfy reserve requirements and are acceptable per guidelines. Exception Cleared. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541888 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to Asset and income documentation missing, ATR failed. | Reviewer Comment (2026-05-28): Received [redacted]month bank statement. Exception Cleared. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635160 | [Redacted] | [Redacted] | 36541890 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Asset documentation requirements not met. | Reviewer Comment (2026-05-28): Received CPA Letter. Exception Cleared. Seller Comment (2026-05-26): [redacted] stmt Seller Comment (2026-05-26): Please clarify as bank statements were all provided. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225639415 | [Redacted] | [Redacted] | 36549220 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI does not meet [redacted] requirements, as the [Redacted]riance exceeds [redacted]% or one [Redacted]lue is below [redacted]%. A revised Form [redacted] has been requested because the borrower is living rent-free, as stated in the LOE. Therefore, there are no primary housing expenses. | Reviewer Comment (2026-06-24): updated [redacted], CD and [redacted] Buyer Comment (2026-06-22): The payment from the CD does match [redacted]. CD P & I [redacted] + Estimated, taxes, insurance and Assessments $[redacted] which is what is reflected on the [redacted] Reviewer Comment (2026-06-16): The PITIA in the received Closing Disclosure does not match the updated [redacted]. Additionally, the provided lease agreement does not reflect the rental amount, exception remains. Buyer Comment (2026-06-12): Updated [redacted] removing rent. The other difference is due to our figures including new investment pur[Redacted] of[redacted] = -$[redacted] neg rents (Assignment of lease in file [redacted]). I have attached the final CD from that transaction to verify PITI. DTI should reflect[redacted]%. I have submitted a request for the Bid-Tape Update. Buyer Comment (2026-06-12): Updated [redacted] removing rent. The other difference is due to our figures including new investment pur[Redacted] of [redacted] = -$[redacted] neg rents (Assignment of lease in file [redacted]). I have attached the final CD from that transaction to verify PITI. DTI should reflect [redacted]%. I have submitted a request for the Bid-Tape Update. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225639415 | [Redacted] | [Redacted] | 36549248 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-06-23): VVOE received and associated. Exception cleared. Buyer Comment (2026-06-22): Sorry, sent the PVOE. Please see attached VVOE for current employer. Reviewer Comment (2026-06-15): The Provided VVOE for borrower is within[redacted]days prior to note date but it shows employment status as Inactive and termination date [redacted]. Please provide a [Redacted]lid document which shows the employment status as Active. Exception remains. Buyer Comment (2026-06-12): Please see attached VVOE |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225639415 | [Redacted] | [Redacted] | 36924644 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy for DTI | Reviewer Comment (2026-07-15): Received appraisal report with rent comparable verify HOA and rental amount, Exception cleared. Buyer Comment (2026-07-14): The lease agreement is not missing as previously stated it is in [redacted]. This is an "assignment of lease" for the [redacted] properties the borrower pur[Redacted]d simultaneously, [redacted]. The Verification of HOA is also not missing. As previously called out there is the CD from the pur[Redacted] of the[redacted] ([redacted]) which provides the full PITI including the HOA.[redacted] + Taxes, Insurance & Assessments $[redacted]. In addition I have uploaded the appraisal from the pur[Redacted] of [redacted] showing market rents of $[redacted] (used to qualify) and the appraisal also supports the HOA. With all the information listed, you should have sufficient documentation to clear this condition. Reviewer Comment (2026-07-13): The lease agreement and HOA verification is missing for[redacted]. The document provided indicates security deposit amount. Buyer Comment (2026-07-09): We have a D[Redacted] Discrepancy on this one that is causing a fail on our report. Ratios on Bid Tape [redacted]vs Field [Redacted]lue [redacted]% It appears that on your end the negative rents on a proposed pur[Redacted],[redacted] has not been included as the property is not listed on your REO. The CD for the additional property is in [redacted]. Same address but Unit [redacted]. Lease for this property is in file [redacted] Lease $[redacted]% - PITI [redacted]= Neg rents of - -$[redacted] (needs to be added to total debt to bring DTI to [redacted] reflecting this information was previously provided. |
07/15/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225639415 | [Redacted] | [Redacted] | 36961464 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | The lease agreement and HOA verification is missing for [redacted] [Redacted]. The document provided indicates security deposit amount. | Reviewer Comment (2026-07-15): Received appraisal report with rent comparable verify HOA and rental amount, Exception cleared. Buyer Comment (2026-07-14): The lease agreement is not missing as previously stated it is in [redacted]. This is an "assignment of lease" for the [redacted]properties the borrower pur[Redacted]d simultaneously, [redacted]. The Verification of HOA is also not missing. As previously called out there is the CD from the pur[Redacted] of the [redacted] property ([redacted]) which provides the full PITI including the HOA. PI = [redacted] + Taxes, Insurance & Assessments [redacted]. In addition I have uploaded the appraisal from the pur[Redacted] of unit [redacted] showing market rents of $[redacted] (used to qualify) and the appraisal also supports the HOA. With all the information listed, you should have sufficient documentation to clear this condition. Reviewer Comment (2026-07-13): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225639452 | [Redacted] | [Redacted] | 36549209 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. No [Redacted]lid change of circumstance found in file and the cure provided at closing of $[redacted] was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-05-28): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-05-27): Please see doc [redacted] pg [redacted] showing lender credit in the amount of $[redacted] for increase in closing costs. Kindly remove conditions. |
05/28/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225639452 | [Redacted] | [Redacted] | 36549210 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. No [Redacted]lid change of circumstance found in file and the cure provided at closing of $[redacted] was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-05-28): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-05-27): Please see doc [redacted]pg [redacted] showing lender credit in the amount of $[redacted] for increase in closing costs. Kindly remove conditions. |
05/28/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225639452 | [Redacted] | [Redacted] | 36549211 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. No [Redacted]lid change of circumstance found in file and the cure provided at closing of $[redacted] was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-07-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-27): The refund was in the amount of $[redacted] which is correct. Kindly remove conditions Reviewer Comment (2026-07-27): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing. However, the provided Post CD is reflecing incorrect lender credit on page [redacted]. Kindly provide updated Post CD along with LOX to reflect lender credit of $[redacted] on page [redacted]page [redacted] under Section [redacted] inner and outer column. Buyer Comment (2026-07-24): Please see attached copy of PCCD, LOX, LABEL and CHECK to clear this suspense condition. Kindly remove condition Reviewer Comment (2026-06-08): [redacted] acknowledged that the below comment. However, the loan amount increase of $[redacted] from $[redacted] on last LE dated [redacted], but the fee increase of [redacted] from $[redacted] on Final CD dated [redacted]. The fee was not disclosed to borrower within that [redacted]-day timeline. Cure would be due to borrower. Additional Cure of $[redacted] with cure documents required to cure this exception. Buyer Comment (2026-06-04): Please see attached copy of HUD [redacted] from title. The loan amount reflected was $[redacted], when in actuality it was $[redacted]. transfer tax was .[redacted]% of the loan amount, causing the $[redacted]0fee increase. Kindly clear the condition Reviewer Comment (2026-06-02): [redacted] received rebuttal comment that cure was provided on final CD but total cure provided at closing is $[redacted] and total cure required is $[redacted] which includes $[redacted] for Appraisal Fee, $[redacted] for Credit Report fee and $[redacted] for transfer Tax fee. To cure the transfer tax additional cure of [redacted] is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-06-01): Please see doc [redacted]pg [redacted] showing lender credit in the amount of [redacted] for increase in closing costs. Kindly remove conditions. Reviewer Comment (2026-06-01): [redacted] received COC dated [redacted]. But the fee was increase of [redacted] from $[redacted] on final CD dated [redacted]. provide [Redacted]lid COC for the fee increased on [redacted] CD or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-05-28): Please see attached COC that relates to the increase in Title fees. Kindly remove the condition Reviewer Comment (2026-05-28): [redacted] received rebuttal. The COC dated [redacted] is in[Redacted]lid. Kindly provide a [Redacted]lid reason as to why the transfer tax increase on CD dated [redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-05-27): Title fees are in the [redacted]% bucket, not the[redacted] percent. price increase is within the tolerance threshold. Kindly remove the condition. |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225639469 | [Redacted] | [Redacted] | 36544266 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | DSCR discrepancy due to Lender utilizing a [redacted] monthly income to qualify than reflected on source document. [redacted]% haircut was applied to commercial unit rental income and summation of all rental income, $[redacted] was utilized to qualify borrower. |
Reviewer Comment (2026-07-08): Bid Tape d[Redacted] has been updated. Exception Cleared. Buyer Comment (2026-07-06): Bid tape has been updated to [redacted]. Kindly remove condition Reviewer Comment (2026-06-09): Updated rental income and DD DSCR is now at [redacted] as is lenders, however the Bid tape remains a discrepancy at [redacted]%. Reviewer Comment (2026-06-09): EXCEPTION HISTORY - Exception Explanation was updated on[redacted]PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-06-09): Please review UW Calculation as well as guideline snippet showing protocol for Mixed-Use property Pur[Redacted]s with DSCR. [redacted]is not implementing necessary adjustment on top of[redacted]% haircut. Please review and clear finding Buyer Comment (2026-06-09): UW Calc, Guideline Reviewer Comment (2026-06-05): Exception remains, document UW worksheet not provided to show change [redacted] supporting [redacted] Buyer Comment (2026-06-03): [redacted]has updated bid tape to match [redacted] DSCR of [redacted] Reviewer Comment (2026-06-02): DSCR worksheet located in the file shows "rent to be utilized" [redacted] that do not total to $[redacted]. Please provide documentation that support the amount of $[redacted]. Exception remains. Buyer Comment (2026-06-01): [redacted]believes that it's correct and is using the[redacted]% cap on the commercial property after the [redacted]% initial haircut. We are accurate at [redacted] DSCR. Please remove condition Reviewer Comment (2026-05-29): The amounts in the "rent to be utilized" [redacted] column on the UW worksheet do not total of $[redacted]. Please provide documentation that support the amount of $[redacted]. Buyer Comment (2026-05-27): Please see doc [redacted]pg [redacted] showing UW worksheet showing g[Redacted] rent at $[redacted]. Also, please see doc [redacted]page[redacted] of the [redacted] showing expected monthly rental income at $[redacted] Please adjust your calculations. Reviewer Comment (2026-05-27): Please confirm calcaulation of rent to be utilized on the UW worksheet provided. The total reflects $[redacted] instead of $[redacted] Buyer Comment (2026-05-26): G[Redacted] rent is $[redacted]. DSCR is at [redacted]. Kindly remove the condition |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225639536 | [Redacted] | [Redacted] | 36553109 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Assets are insufficient to cover cash from borrower. | Reviewer Comment (2026-06-01): The [redacted] bank statement reflects a deduction of $[redacted], which appears to be utilized toward closing costs. Exception Cleared. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD [redacted] + EMD [redacted]. The assets verified from the borrower include the borrower's [redacted] account balance ([redacted] + EMD [redacted]) + POC item [redacted]. This amount is more than the required amount. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD ([redacted] + EMD [redacted]. The assets verified from the borrower include the borrower's [redacted] account balance [redacted] + EMD [redacted] + POC item [redacted][redacted]. This amount is more than the required amount. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD [redacted] + EMD ([redacted] The assets verified from the borrower include the borrower's [redacted] account balance [redacted] + EMD [redacted] + POC item [redacted] This amount is more than the required amount. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD [redacted] + EMD[redacted]. The assets verified from the borrower include the borrower's [redacted] account balance [redacted] + EMD [redacted] + POC item [redacted] This amount is more than the required amount. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD [redacted]+ EMD [redacted]. The assets verified from the borrower include the borrower's [redacted] account balance [redacted] + POC item [redacted]. This amount is more than the required amount. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD [redacted] + EMD [redacted]. The assets verified from the borrower include the borrower's [redacted] account balance [redacted] + EMD [redacted] + POC item [redacted] This amount is more than the required amount. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD [redacted] + EMD [redacted]. The assets verified from the borrower include the borrower's [redacted] account balance [redacted]) + EMD [redacted] + POC item [redacted]) = . This amount is more than the required amount. Seller Comment (2026-05-28): Total required to close includes Cash to close from HUD [redacted] + EMD ([redacted]. The assets verified from the borrower include the borrower's [redacted] account balance[redacted] + POC item [redacted]. This amount is more than the required amount. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225639536 | [Redacted] | [Redacted] | 36553127 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Default Rider is not provided | Reviewer Comment (2026-06-01): Default Rider received in file. Exception Cleared. Seller Comment (2026-05-28): Rider |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225639536 | [Redacted] | [Redacted] | 36569251 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Documentation to support reserve requirement fo $[redacted] is not located in the file. | Reviewer Comment (2026-06-05): Borrower had reserves collected at closing. Condition cleared. Reviewer Comment (2026-06-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated A[Redacted]ilable for Reserves of $[redacted] is less than Guideline A[Redacted]ilable for Reserves of $[redacted] Seller Comment (2026-06-03): Please see the [redacted] Reserve Balance, which reflects a [redacted] hold placed in the borrower's checking account ending in [redacted], along with the [redacted]bank statement showing an additional $[redacted] a[Redacted]ilable balance in the same account. Together, these funds total $[redacted], which exceeds the required amount of $[redacted] Seller Comment (2026-06-03): Please see the [redacted] Reserve Balance, which reflects a $[redacted] hold placed in the borrower's checking account ending in [redacted], along with the [redacted]bank statement showing an additional $[redacted] a[Redacted]ilable balance in the same account. Together, these funds total $[redacted], which exceeds the required amount of $[redacted] Reviewer Comment (2026-06-03): Reserve required is [redacted] months of PITIA which is $[redacted] and [redacted] month reserve of each property which is $[redacted]. Additional reserve required to cover this shortage. Seller Comment (2026-06-01): Please note that the Cash to Close amount reflected on HUD Item [redacted], totaling $[redacted] already includes the required [redacted]-month PITI reserve of $[redacted]. This reserve amount is also reflected in Item [redacted] on the second page of the HUD. I responded to this item in Moxi earlier this morning. Additionally, could you please advise how the reserve amount of $[redacted]was calculated? Based on our calculation, the required reserve is [redacted]months of PITI at $[redacted] per month, which equals $[redacted] Seller Comment (2026-06-01): Please note that the Cash to Close amount reflected on HUD Item [redacted], totaling $[redacted], already includes the required [redacted]-month PITI reserve of [redacted]. This reserve amount is also reflected in Item [redacted] on the second page of the HUD. I responded to this item in Moxi earlier this morning. Additionally, could you please advise how the reserve amount of $[redacted] was calculated? Based on our calculation, the required reserve is [redacted]months of PITI at [redacted] per month, which equals $[redacted] Reviewer Comment (2026-06-01): Total funds required to close are calculated as follows: Cash to Close per HUD: [redacted] Earnest Money Deposit (EMD): $[redacted] Paid Outside Closing (POCB): [redacted] = Total Required Funds: $[redacted] Verified borrower assets include: [redacted] Account: $[redacted] [redacted] bank: [redacted] [redacted] bank: $[redacted] EMD: $[redacted] POC Item: [redacted] = Total A[Redacted]ilable Assets: $[redacted] A[Redacted]ilable funds after closing: $[redacted] Required reserves: $[redacted] Borrower is short of the required reserves by $[redacted]. Please provide additional assets to meet the reserve requirement. Exception Remains. Seller Comment (2026-05-28): Our guideline only required [redacted] months PITI reserves. PITI is $[redacted] month PITI is $[redacted]. The [redacted] reserve balance provides evidence of the reserves in the borrower's account. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225645541 | [Redacted] | [Redacted] | 36559643 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-06-25): Final title policy provided. Exception cleared |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225645541 | [Redacted] | [Redacted] | 36559646 | Credit | Title | [Redacted] | Title | Title Policy Coverage is [redacted] than Original Loan Amount. | Title Policy Coverage is [redacted] than Original Loan Amount. | Reviewer Comment (2026-06-25): Final title policy provided. Exception cleared Buyer Comment (2026-06-24): final policy upld |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225645541 | [Redacted] | [Redacted] | 36559651 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-06-23): document received. Buyer Comment (2026-06-19): e-consent |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225645541 | [Redacted] | [Redacted] | 36559652 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance policy was not found in file. | Reviewer Comment (2026-06-23): document received. Buyer Comment (2026-06-19): HOI |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225645541 | [Redacted] | [Redacted] | 36559654 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Comparable rent schedule was not found in file. | Reviewer Comment (2026-07-06): Cleared.[redacted] month lease used to qualify. Reviewer Comment (2026-07-01): Subject property is investment and require [redacted]comparable rent for [Redacted]luation review-Exception remains Buyer Comment (2026-06-30): please advise where in the guides you are seeing a rent schedule is required when using method [redacted]/lease. Reviewer Comment (2026-06-25): [redacted] Rent Comparison Schedule required. Exception Remains Buyer Comment (2026-06-24): please cancel, this is s full doc loan, the borrower is using Method [redacted] (Lease Agreement) to qualify. Guidelines do not require us to obtain Form [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225645669 | [Redacted] | [Redacted] | 36559456 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Reviewer Comment (2026-06-02): Received Fraud Report in the file. Exception Cleared. Seller Comment (2026-05-29): Refer to Fraud Report |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225645669 | [Redacted] | [Redacted] | 36559457 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-06-02): Received Fraud Report in the file. Exception Cleared. Seller Comment (2026-05-29): Fraud Service - [redacted] |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225646760 | [Redacted] | [Redacted] | 36563157 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-06-24): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-06-23): initial cd upld |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225646760 | [Redacted] | [Redacted] | 36563159 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-06-24): [redacted] Received [Redacted]lid COC dated [redacted] along with CD and lender exception document. Buyer Comment (2026-06-23): exception aprvls for supporting documentation for aprsl fee and points increase upld, cd was upld to previous condition, coc is on [redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225646760 | [Redacted] | [Redacted] | 36563160 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-07-07): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-06): pccd docs upld Reviewer Comment (2026-06-24): [redacted] received COC dated [redacted] stating "complexity" however we required the reason as to what caused the property to be complex. Kindly provide detail reason for complexity in order to clear the exception Buyer Comment (2026-06-23): exception aprvls for supporting documentation for aprsl fee and points increase upld, cd was upld to previous condition, coc is on [redacted] |
07/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225655549 | [Redacted] | [Redacted] | 36573716 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-06-30): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-26): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted] delivered. Buyer Comment (2026-06-26): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted]delivered. Reviewer Comment (2026-06-22): [redacted]: The provided PCCD and cover letter in the loan file do not reflect the refund issued for the appraisal fee exceeding the tolerance limit. Additionally, a credit of $[redacted] in the [redacted] is reflected in the outer column of Section [redacted]; however, it is not shown as a lender cure in the inner column of Section [redacted]. Please provide a corrected [redacted], detailed LOX, refund check, and proof of mailing to cure this exception. Buyer Comment (2026-06-19): Please see PCCD [redacted], Cover Letter [redacted]for this cure. |
06/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225655549 | [Redacted] | [Redacted] | 36574887 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement not provided for "[redacted]". | Reviewer Comment (2026-07-15): Received guarantor agreement. Exception cleared. Buyer Comment (2026-07-13): Please see attached Personal Guaranty Agreement. Confirmed with[redacted] that e-sign was acceptable. Reviewer Comment (2026-06-24): Guarantor Agreement required for [redacted]. Exception Remains Buyer Comment (2026-06-23): disregard comment. Buyer Comment (2026-06-23): [redacted] is not a borrower on this loan, please cancel |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225655549 | [Redacted] | [Redacted] | 36579524 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI not meeting requirement. | Reviewer Comment (2026-06-22): Departure residence PITIA omitted. DTI within tolerance. Exception cleared. Buyer Comment (2026-06-19): Please see attached BPO to support [Redacted]lue to omit departing residence housing debt. |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225655549 | [Redacted] | [Redacted] | 36579525 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted]% [redacted] exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to DTI not meeting requirement. Departing residence debt obligation added to DTI calculation due to missing full/exterior appraisal to confirm [redacted]%equity against property. | Reviewer Comment (2026-06-22): Departure residence PITIA omitted. DTI within tolerance. Exception cleared. Buyer Comment (2026-06-19): Please see attached BPO to support [Redacted]lue to omit departing residence housing debt. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225655549 | [Redacted] | [Redacted] | 36579544 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Waterfall due to DTI not meeting requirement. Departing residence debt obligation added to DTI calculation due to missing full/exterior appraisal to confirm [redacted]% equity against property. | Reviewer Comment (2026-06-22): Departure residence PITIA omitted. DTI within tolerance. Exception cleared. Buyer Comment (2026-06-19): Please see attached BPO to support [Redacted]lue to omit departing residence housing debt. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225655549 | [Redacted] | [Redacted] | 36579597 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy | Reviewer Comment (2026-06-22): Departure residence PITIA omitted. DTI within tolerance. Exception cleared. Buyer Comment (2026-06-19): Please see attached BPO to support [Redacted]lue to omit departing residence housing debt. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225655549 | [Redacted] | [Redacted] | 36579624 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Waterfall due to DTI not meeting requirement. Departing residence debt obligation added to DTI calculation due to missing full/exterior appraisal to confirm [redacted]% equity against property. | Reviewer Comment (2026-06-22): Departure residence PITIA omitted. DTI within tolerance. Exception cleared. Buyer Comment (2026-06-19): Please see attached BPO to support [Redacted]lue to omit departing residence housing debt. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225657282 | [Redacted] | [Redacted] | 36574690 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC search is missing from file. | Reviewer Comment (2026-06-02): Received OFAC for business entity and borrower. Exception cleared. Seller Comment (2026-06-01): OFAC |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225657282 | [Redacted] | [Redacted] | 36574691 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check is missing from file. | Reviewer Comment (2026-06-02): Received Background check. Exception cleared Seller Comment (2026-06-01): Fraud - includes business search |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657282 | [Redacted] | [Redacted] | 36574692 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing from file. | Reviewer Comment (2026-06-02): Received Fraud Report. Exception cleared Seller Comment (2026-06-01): Fraud - includes business search |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657282 | [Redacted] | [Redacted] | 36591754 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | File is missing the mortgage payoff statement. | Reviewer Comment (2026-06-02): Received payoff statement. Exception cleared. Seller Comment (2026-05-29): Payoff letter |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657282 | [Redacted] | [Redacted] | 36591770 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted] month payment history for the subject mortgage. | Reviewer Comment (2026-06-05): Received pay history evidencing [redacted] payment. Exception cleared. Seller Comment (2026-06-03): [redacted]payment Reviewer Comment (2026-06-02): Received mortgage statement and first payment letter confirming payments for [redacted] and [redacted]. Provide evidence of payment for [redacted], [redacted]. Exception remains Seller Comment (2026-06-01): Memo - Verification of Mortgage (VOM) or Verification of Rent (VOR) |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657283 | [Redacted] | [Redacted] | 36573452 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-02): Received E-sign Consent Agreement. Exception cleared. Seller Comment (2026-05-29): eConsent |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225657283 | [Redacted] | [Redacted] | 36573456 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing. | Reviewer Comment (2026-06-02): Received HOA Verification, Statement and Tax Verification. Exception cleared Seller Comment (2026-05-29): REO docs |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225657625 | [Redacted] | [Redacted] | 36640552 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] Discrepancy: DSCR | Reviewer Comment (2026-07-17): Cleard. Updated proeprty tax to exclude the non-ad [redacted] amount. Reviewer Comment (2026-06-11): Received tax estimator with document date of [redacted] which was a[Redacted]ilable at initial review. Tax certificate([redacted]) shows [redacted] taxes which was paid by the borrower on [redacted] and actual taxes are [redacted]. Exception remains. Buyer Comment (2026-06-10): Please see the attached revised tax estimator provided on[redacted] reflecting "Taxes without a[Redacted] deductions" [redacted] per year.[redacted] DSCR is [redacted]. Thank you! Reviewer Comment (2026-06-06): The tax certificate provided reflects property tax as [redacted] Buyer Comment (2026-06-04): Please see the attached DSCR Rebuttal. Thank you! |
07/17/2026 | No | 1 | A | A | A | A | A | FL | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225669956 | [Redacted] | [Redacted] | 36604390 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Total qualifying income $[redacted]. Total PITIA $[redacted], Total Debts $[redacted], Total Payoffs $[redacted]. | Reviewer Comment (2026-06-09): The "Other Payment" amount of [redacted] was added incorrectly. Taxes of $[redacted] and Insurance of $[redacted], which total $[redacted] which is matching with final [redacted] monthly payment. There is no HOA for property [redacted] Lender DTI [redacted]%, Review DTI [redacted]% is now matching. Exception cleared Buyer Comment (2026-06-08): See Rebuttal |
06/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225669956 | [Redacted] | [Redacted] | 36604392 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Total qualifying income $[redacted]. Total PITIA $[redacted], Total Debts $[redacted], Total Payoffs $[redacted]. | Reviewer Comment (2026-06-09): The "Other Payment" amount of $[redacted] was added incorrectly. Taxes of $[redacted] and Insurance of $[redacted], which total [redacted] which is matching with final [redacted] monthly payment. There is no HOA for property [redacted]. Lender DTI [redacted]%, Review DTI[redacted]% is now matching. Exception cleared Buyer Comment (2026-06-08): See Rebuttal |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225669956 | [Redacted] | [Redacted] | 36604397 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations (page [redacted]) - [redacted] of these occurred: Primary residence refinance and Calculated Finance Charge exceed disclosed Finance Charge by more than $[redacted]. | Reviewer Comment (2026-06-09): [redacted] received lender clarification on title-tax deletion fee and excluded from finance charges Buyer Comment (2026-06-09): attestation Buyer Comment (2026-06-08): Please advise what the appraisal management compa[Redacted](Service Fee) consists of in APR. Unable to locate this fee. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225669956 | [Redacted] | [Redacted] | 36604398 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-06): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-02): Cure Docs Reviewer Comment (2026-06-10): [redacted] received lender rebuttal on borrower selected. However, the Title-Title Policy [redacted] Fee of $[redacted], AKA, [redacted] Guaranty Fee, though is being paid to title compa[Redacted] is a fee incurred & imposed on [redacted] loans and remitted to [redacted] and is not shoppable regardless of the title compa[Redacted] utilized. As such, fee should be disclosed initially and is subject to[redacted]% tolerance testing. Fee not disclosed on initial LE and added to Revised LE. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Buyer Comment (2026-06-08): See COC [redacted]. [redacted] guaranty fee added to LE [redacted]. Listed as title fee in section [redacted] and not subject to tolerance. |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225669956 | [Redacted] | [Redacted] | 36604399 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL [Redacted]riable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | Adjustable-Rate Mortgage disclosure not provided to the borrower within [redacted] days of application date. | Reviewer Comment (2026-06-10): Loan changed to ARM on [redacted] Buyer Comment (2026-06-08): See Initial LE [redacted]. It was fixed rate. Loan changed to ARM on [redacted] LE [redacted]. ARM Disclosure sent out on date of change [redacted]. Buyer Comment (2026-06-08): See Initial LE [redacted]. It was fixed rate. Loan changed to ARM on[redacted] LE [redacted]. CHARM booklet sent out on date of change[redacted] |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225669956 | [Redacted] | [Redacted] | 36604400 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL [Redacted]riable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. | Consumer Handbook on Adjustable-Rate Mortgages Booklet not provided to the borrower within [redacted]days of application date. | Reviewer Comment (2026-06-10): Loan changed to ARM on [redacted] Buyer Comment (2026-06-08): See Initial LE [redacted]. It was fixed rate. Loan changed to ARM on [redacted] LE [redacted]. CHARM booklet sent out on date of change [redacted]. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225669956 | [Redacted] | [Redacted] | 36633307 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Due diligence review DTI is [redacted] however the [redacted] and bid tape is [redacted]. | Reviewer Comment (2026-06-09): The "Other Payment" amount of $[redacted] was added incorrectly. Taxes of $[redacted] and Insurance of $[redacted], which total $[redacted] which is matching with final [redacted] monthly payment. There is no HOA for property [redacted] Lender DTI [redacted], Review DTI [redacted]% is now matching. Exception cleared Buyer Comment (2026-06-08): Rebuttal |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225670023 | [Redacted] | [Redacted] | 36589899 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage [redacted] provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-10): Email from insurer that property has replacement cost coverage. Condition cleared. Reviewer Comment (2026-07-02): Exception remains Hazard Insurance coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Buyer Comment (2026-06-26): rebuttal HOI |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225670023 | [Redacted] | [Redacted] | 36603505 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted] | Reviewer Comment (2026-06-10): Received final closing statement. Exception Cleared Buyer Comment (2026-06-09): final SS |
06/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 225670033 | [Redacted] | [Redacted] | 36589779 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background check was not found in file. | Reviewer Comment (2026-06-04): Received Fraud Report. Exception Cleared. Seller Comment (2026-06-02): background check |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670033 | [Redacted] | [Redacted] | 36589780 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in file. | Reviewer Comment (2026-06-04): Received Fraud Report. Exception Cleared. Seller Comment (2026-06-02): fraud report |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670033 | [Redacted] | [Redacted] | 36589781 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC was not found in file. | Reviewer Comment (2026-06-04): Received OFAC Search. Exception Cleared Seller Comment (2026-06-02): OFAC |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670033 | [Redacted] | [Redacted] | 36589782 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement was not found in file. | Reviewer Comment (2026-06-04): Received Operating Agreement. Exception Cleared. Seller Comment (2026-06-02): Operating agreement |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670033 | [Redacted] | [Redacted] | 36629420 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Appro[Redacted]l not provided | The lender's appro[Redacted]l document or [redacted] is not located in the file. | Reviewer Comment (2026-06-04): Received[redacted]. exception Cleared Seller Comment (2026-06-02): [redacted] |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670261 | [Redacted] | [Redacted] | 36609441 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the preliminary title. | Reviewer Comment (2026-06-08): Updated title report received, exception cleared. Seller Comment (2026-06-05): UPDATED TITLE Seller Comment (2026-06-04): Updated Title Commitment |
06/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225670261 | [Redacted] | [Redacted] | 36609576 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Fraud report not provided in file. | Reviewer Comment (2026-06-03): Fraud report received and verified. Exception cleared. Seller Comment (2026-06-02): Fraud Report |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225670869 | [Redacted] | [Redacted] | 36604223 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-07-09): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-08): Please see attached. Reviewer Comment (2026-06-30): [redacted] The increase in the loan amount is not a [Redacted]lid justification for increasing the recording fee, as recording fees are not directly tied to the loan amount. To determine whether the fee increase is supported by a [Redacted]lid Changed Circumstance, additional information is required regarding the reason for the fee increase and the date on which the lender became aware of the change. A [Redacted]lid Changed Circumstance or a tolerance cure must be provided. Cure consists of following : Corrected Closing Disclosure (CD) Letter of Explanation (LOE) to the borrower Proof of mailing/delivery Copy of the refund check Buyer Comment (2026-06-26): The increase in the recording fee exceeding the [redacted]% tolerance is due to a change in the final loan amount. Since recording fees are assessed based on the loan amount recorded, the increase in the loan amount resulted in a higher recording fee than originally disclosed. Please clear condition. Reviewer Comment (2026-06-22): [redacted] received rebuttal comment for increase in transfer tax which was already cleared. This exception is for increase in Recording fee beyond [redacted]% tolerance. Please provide information as to what changed circumstance occurred (as defined under[redacted] that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-06-18): There was a change in the loan amount which resulted in the change of the transfer taxes. This is a [Redacted]lid change. Please clear condition. Reviewer Comment (2026-06-08): [redacted] received [Redacted]lid COC for the transfer taxes increased. However, it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason for the fee increase and when lender became aware of the change. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-04): Please review COC and CD from [redacted]. At this time there was a change in the loan amount and which resulted in the change of transfer taxes. This is a [Redacted]lid change with a [Redacted]lid COC. Please clear condition. |
07/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225670869 | [Redacted] | [Redacted] | 36604225 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-06-15): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-06-12): Please see commentary from [redacted]. This is a fee that was requested and agreed upon. Please clear condition. Reviewer Comment (2026-06-08): [redacted] received appraisal ordered document and COC dated [redacted] but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason for fee increase and when lender became aware of the change. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-04): Please see attached from the [redacted]. The[redacted] advised that there was an appraisal fee increase. AT this time, there was also a COC done. This is a [Redacted]lid change. Please clear condition. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225670869 | [Redacted] | [Redacted] | 36605985 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Schedule B, Part II, Item #[redacted] reflects a Construction Deed of Trust securing an original indebtedness of $[redacted], dated [redacted]. Please provide documentation to verify lien is released and does not affect final title. | Reviewer Comment (2026-06-09): Received email from title compa[Redacted] lien is removed. Condition cleared. Buyer Comment (2026-06-05): Please see attached. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225671501 | [Redacted] | [Redacted] | 36606529 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance document is missing. | Reviewer Comment (2026-06-05): Hazard Insurance document received and verified. for the REO Property. Excption cleared. Buyer Comment (2026-06-04): Please see attached Insurance policy for REO property to clear condition |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225671501 | [Redacted] | [Redacted] | 36606565 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted]received [Redacted]lid COC Buyer Comment (2026-08-17): Kindly ree[Redacted]luate and remove condition. On [redacted], the rate jumped to [redacted]. Additionally, On [redacted], the rate reduced to[redacted], the borrower bought down the interest rate and [redacted] disclosed the change. Kindly remove this suspense condition Reviewer Comment (2026-07-17): [redacted] received a system screenshot indicating that the interest rate changed to [redacted]% on [redacted] and was subsequently changed to [redacted]. However, there is no corresponding document in the loan file reflecting the[redacted]% interest rate. Additionally, the[redacted]CD ([redacted]), with a [redacted]% interest rate and Cash to Close of -$[redacted], disclosed a discount point fee of [redacted]). In contrast, the [redacted]Sequence #[redacted]CD ([redacted]) disclosed a discount point fee of $[redacted] with the same interest rate ([redacted]) and Cash to Close of -$[redacted]. The pricing screenshot provided does not sufficiently explain the reason for the increase in the discount point fee. Please provide supporting documentation or a detailed explanation substantiating the increase in the discount point fee reflected on the [redacted] Sequence #[redacted] and Sequence #[redacted] CDs. Buyer Comment (2026-07-16): Please see attached copy of branch confirming dates of price hits. [redacted]disclosed to the borrower within the timeframe. Kindly reconsider and remove condition Reviewer Comment (2026-06-10): [redacted] received COC dated [redacted], but it does not give a[Redacted] information why the fee increased. Please provide sufficient information with the reason discount points increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-08): Please see attached copy of COC for[redacted] to clear condition Reviewer Comment (2026-06-08): [redacted] received COC dated [redacted], however loan discount points increased on CD dated [redacted]. Please provide [Redacted]lid COC for CD dated [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-04): Please see attached copy of COC to clear the condition. [redacted] disclosed to the borrower within[redacted]days. Kindly remove condition |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225671501 | [Redacted] | [Redacted] | 36606566 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]'s Fee increased to $[redacted] to $[redacted] without a [Redacted]lid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-24): [redacted]received a [Redacted]lid COC. Buyer Comment (2026-08-20): Please see attached confirmation of the rush to clear remaining condition Reviewer Comment (2026-08-18): [redacted]received rebuttal and invoice, however it does not give sufficient information on why the rush was requested. Please provide additional information why rush was requested or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-08-17): Please see attached. There was a rush and appraiser fee that was added to the original fee. [redacted]disclosed to the borrower within [redacted] days. Kindly remove condition Reviewer Comment (2026-06-10): [redacted] received rebuttal and COC dated [redacted], but it does not give a[Redacted] information why the fee increased it only states settlement charge. Please provide sufficient information with the reason appraisal fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-08): [redacted] feels as if the verbiage used and the need to disclose is sufficient to clear the condition. Kindly remove the condition Reviewer Comment (2026-06-08): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increased and when lender became aware of the change. A [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-06-04): Please see attached cop of COC to clear condition |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225671501 | [Redacted] | [Redacted] | 36606567 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Service Charges increased to $[redacted] to $[redacted] without a [Redacted]lid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted]received PCCD and LOE Buyer Comment (2026-08-17): Please see attached copy of PCCD / LOX to clear this suspense condition Reviewer Comment (2026-06-10): [redacted] received rebuttal, however as fee was not disclosed on LE and got added on sec C without title. A [Redacted]lid COC or cure is required. Or corrected PCCD moving the fee to sec H and LOE are required to re-e[Redacted]luate the exception. Buyer Comment (2026-06-09): The fee in question was the Natural Hazard Disclosure report and was listed under section [redacted] ( A service the borrower shopped for) and should not be in your calculations. This was a one-time up front fee, not a life of loan service. Kindly remove condition Reviewer Comment (2026-06-08): [redacted] received rebuttal, however If fee was not required, it should be listed in section [redacted] instead of section [redacted]. Corrected CD and LOE required to remediate. Buyer Comment (2026-06-04): This is a one-time upfront fee, not a life of loan service from title. This should not be included in your [redacted]% calculations. Kindly clear the condition. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225672789 | [Redacted] | [Redacted] | 36606783 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-29): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-06-26): Please reference final CD that shows a lender credit for $[redacted]to cure this violation |
06/29/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225672789 | [Redacted] | [Redacted] | 36606784 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-06): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-02): [redacted] Uploaded Cure Check, PCCD, Cover Letter and proof [redacted] Delivered to investor for review. Buyer Comment (2026-07-02): [redacted] Uploaded Cure Check, PCCD, Cover Letter and proof [redacted]Delivered to investor for review. |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225672812 | [Redacted] | [Redacted] | 36607500 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement for the [redacted] lien is missing. | Reviewer Comment (2026-06-05): Received Closing Disclosure with P&I for [redacted]lien. Exception Cleared. Buyer Comment (2026-06-03): Please see attached closing disclosure for [redacted]lien to clear condition |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225672812 | [Redacted] | [Redacted] | 36607549 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information a[Redacted]ilable. | Incomplete Closing Disclosure with a closing date of [redacted] used in compliance testing. Issue date is missing from the Closing Disclosure. | Reviewer Comment (2026-08-18): [redacted]received disclosure tracking & confirmation CD not provided. Buyer Comment (2026-08-17): Please see attached. There is no CD dated [redacted] that is included in the timeline. Kindly ree[Redacted]luate and remove condition Reviewer Comment (2026-06-24): [redacted]: The CD dated [redacted]that was provided in the trailing images was also provided in the original loan package. However, please see doc ID [redacted] missing issue date and estimated to update the CD dated on [redacted], which incomplete information and blank information on page [redacted]and signed by borrower on [redacted]. this is causing the CD reflects issue date not provided. Additionally, if a[Redacted] CD signed by borrowers with incomplete information must be included in testing, as they were disclosed to borrower and cannot be omitted from testing. Per TRID Grid [redacted], Additional Considerations Row [redacted] The [redacted] firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.) Attestation should be in a separate document that can be included in the loan file. Buyer Comment (2026-06-23): Please see attached dated Cd for [redacted]. Kindly remove condition Reviewer Comment (2026-06-12): [redacted]received the[redacted]CD. However, the issue on this violation is that a CD was provided that is missing a Date Issued on page [redacted]. This is the Doc ID [redacted]. [Redacted] Issued is missing and page [redacted] has blank Loan Calculations on Page [redacted]. Provide either a lender attestation confirming the date issued on the CD. This CD was signed by borrowers and cannot be excluded from testing. Buyer Comment (2026-06-11): Please see Final CD issue date of[redacted]. Kindly remove condition Reviewer Comment (2026-06-10): Document [redacted]does not belong to this transaction. Document [redacted]appears to be for a different address and loan amount. The [redacted] (document [redacted]) is signed by the borrowers on[redacted] and is incomplete. Please provide us with a complete copy of this CD. Buyer Comment (2026-06-09): Please see doc [redacted]. It is the revised and final CD. Kindly remove condition Reviewer Comment (2026-06-08): Please see CD provided for testing, Doc ID [redacted], Missing Date Issued, reflects -[redacted]Cash to Close page [redacted], is initialed on all pages, Page[redacted] reflects blanks in Loan Calculations and Page[redacted] has wet signatures by all borrowers dated [redacted]. Please provide lender attestation clarifying this CD provided for testing, when issued, was it issued to borrower and if not why wet signed by borrower. Buyer Comment (2026-06-05): Please clarify. There is no CD in file dated [redacted] Reviewer Comment (2026-06-04): [redacted]CD is incomplete but appears to be signed by borrower. Please confirm and provide LOE. If not signed be borrower Per TRID Grid [redacted], Additional Considerations Row [redacted], The [redacted] firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer and no other evidence CD was provided or received by the consumer.) Attestation should be in a separate document that can be included in the loan file. Buyer Comment (2026-06-03): Please see attached COC dated[redacted]The rate was re locked and revised CD was sent to borrower [redacted] days before closing. Please clear condition. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | Good Faith Redisclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225672812 | [Redacted] | [Redacted] | 36607551 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-05): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-06-03): Please see doc [redacted]page [redacted]showing lender credit in the amount of $[redacted]. Please clear condition |
06/05/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225672812 | [Redacted] | [Redacted] | 36607552 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Reconveyance Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reconveyance Fee was not disclosed on Loan Estimate. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-19): [redacted]received supporting document for the fee. Buyer Comment (2026-08-17): Please see attached. It is hard coded in the system and is not changeable. Kindly remove condition Reviewer Comment (2026-06-24): [redacted]received rebuttal comment. However, [redacted]notes that the Reconveyance (Reimbursement fee) added is in section [redacted] of final CD and was not disclosed on a[Redacted] of the LEs. Additionally, the fee was paid to [redacted] title services same as other title fees are paid; however, it was disclosed without the required title prefix. Please provide a corrected PCCD with the appropriate title designation to clear the exception or provide applicable cure documentation. Buyer Comment (2026-06-23): the fee was paid to the Title compa[Redacted], not lender. Kindly remove condition Reviewer Comment (2026-06-15): [redacted]received Final CD dated [redacted].However, the reimbursement fee was disclosed under section [redacted]. The fee is without title prefix therefore the fee falls under zero percent tolerance limit. Kindly provide a [Redacted]lid COC for the fee added on CD dated [redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-11): waterfall Reviewer Comment (2026-06-05): [redacted]received CD with different address. The rebuttal received states that its a one time fee and borrower chosen.However, the fee is without title prefix. Kindly provide updated Post CD along with LOX to reflect fee with title prefix in order to clear the exception, Buyer Comment (2026-06-03): This fee is a one-time upfront fee that is borrower chosen and should not be in the [redacted]% threshold. Please clear condition |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225677348 | [Redacted] | [Redacted] | 36624175 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing income documents. | Reviewer Comment (2026-07-02): Received updated [redacted]and [redacted]. Condition cleared. Buyer Comment (2026-07-01): HOA documents are provided for these property. HOA for [redacted] already addressed in previous submission and [redacted] updated accordingly with exact HOA based on the documentation provided. Regarding HOA on [Redacted], this documentation is also already in the file on the CD found in [redacted]. (HOA is [redacted]). Reviewer Comment (2026-06-29): HOA documents are required separately for [redacted] and[redacted]to determine the exact HOA amount. Exception remains. Buyer Comment (2026-06-26): Condition says Waterfall due to missing income documents, however no income documents were requested. Assuming this is in regard to Condition [redacted] which is [Redacted]gue. what income documentation do you need. Tax, insurance and HOA for which property? No rental income being used so unsure how this is an income condition. Please cancel or clarify what you are looking for. |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677348 | [Redacted] | [Redacted] | 36624178 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted] due to missing income documents. | Reviewer Comment (2026-07-02): Received updated [redacted]and [redacted]. Condition cleared. Buyer Comment (2026-07-01): HOA documents are provided for these property. HOA for [redacted] already addressed in previous submission and [redacted] updated accordingly with exact HOA based on the documentation provided. Regarding HOA on [Redacted], this documentation is also already in the file on the CD found in [redacted]. (HOA is [redacted]). Reviewer Comment (2026-06-29): HOA documents are required separately for [redacted] and [redacted]to determine the exact HOA amount. Exception remains. Buyer Comment (2026-06-26): Condition says Waterfall due to missing income documents, however no income documents were requested. Assuming this is in regard to Condition [redacted]which is [Redacted]gue. what income documentation do you need. Tax, insurance and HOA for which property? No rental income being used so unsure how this is an income condition. Please cancel or clarify what you are looking for. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677348 | [Redacted] | [Redacted] | 36624179 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to missing income documents. | Reviewer Comment (2026-07-02): Received updated [redacted]and [redacted]. Condition cleared. Buyer Comment (2026-07-01): HOA documents are provided for these property. HOA for [redacted] already addressed in previous submission and [redacted] updated accordingly with exact HOA based on the documentation provided. Regarding HOA on [Redacted], this documentation is also already in the file on the CD found in [redacted]. (HOA is [redacted]/mo). Reviewer Comment (2026-06-29): HOA documents are required separately for [redacted] and [redacted] to determine the exact HOA amount. Exception remains. Buyer Comment (2026-06-26): Condition says Waterfall due to missing income documents, however no income documents were requested. Assuming this is in regard to Condition [redacted] which is [Redacted]gue. what income documentation do you need. Tax, insurance and HOA for which property? No rental income being used so unsure how this is an income condition. Please cancel or clarify what you are looking for. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677348 | [Redacted] | [Redacted] | 36624682 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The verification documents support $[redacted] as tax and insurance obligations for the property, and if there are HOA dues on this property, the verification documents are missing and need to be provided. | Reviewer Comment (2026-07-02): Received updated [redacted]and [redacted]. Condition cleared. Buyer Comment (2026-07-01): HOA documents are provided for these properties. HOA for [redacted] already addressed in previous submission and [redacted] updated accordingly with exact HOA based on the documentation provided. Regarding HOA on [Redacted], this documentation is also already in the file on the CD found in [redacted]. (HOA is [redacted]/mo). Reviewer Comment (2026-06-29): HOA documents are required separately for [redacted] and [redacted] to determine the exact HOA amount. Exception remains. Buyer Comment (2026-06-26): This condition is [Redacted]gue, what income documentation do you need. Tax, insurance and HOA for which property? No rental income being used so unsure how this is an income condition. Please cancel or clarify what you are looking for. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677348 | [Redacted] | [Redacted] | 36651571 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing document for Other Payments. | Reviewer Comment (2026-07-02): Received all required documentation. Condition cleared. Buyer Comment (2026-07-01): HOA documents are provided for these property. HOA for [redacted] already addressed in previous submission and [redacted] updated accordingly with exact HOA based on the documentation provided. Regarding HOA on [Redacted], this documentation is also already in the file on the CD found in [redacted]. (HOA is [redacted]/mo). Reviewer Comment (2026-06-29): HOA documents are required separately for [redacted] and [redacted] to determine the exact HOA amount. Exception remains. Buyer Comment (2026-06-26): Additional obligation is for HOA Dues. The document in in [redacted]however it appears the amount is not accurate. Per the spread sheet the borrower has [redacted]line items as follows- [redacted]has been updated. Buyer Comment (2026-06-26): Additional obligation is for HOA Dues. The document in in [redacted] however it appears the amount is not accurate. Per the spread sheet the borrower has [redacted]line items as follows- [redacted] has been updated. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677348 | [Redacted] | [Redacted] | 36870652 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Discrepancy is due to the lenders PITI payment on the [redacted] property. The CD provided reflects a lower payment than what lender is using. | Reviewer Comment (2026-07-15): Bid tape d[Redacted] corrected exception cleared. Buyer Comment (2026-07-14): Bid Tape has been updated. Please clear. Thank you! |
07/15/2026 | No | 1 | A | A | A | A | A | WA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225677352 | [Redacted] | [Redacted] | 36609129 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in file for subject property. | Reviewer Comment (2026-09-03): Cleared. Received previoius policy reflecting coverage. Buyer Comment (2026-09-01): This is a cash out- refi. Please see attached copy of HOI policy effective from [redacted]-[redacted]. Kindly ree[Redacted]luate and remove remaining conditions Reviewer Comment (2026-08-27): No Loss letter provided is not from insurance provider, exception remains. Buyer Comment (2026-08-27): The no loss letter confirms that there have been no claims filed on the property since the date of closing until the current date, and is signed by the borrower. [redacted] feels this is more than sufficient to clear the remaining conditions. Kindly ree[Redacted]luate and remove conditions Reviewer Comment (2026-08-27): A no-loss letter from the insurance provided is required. Buyer Comment (2026-08-25): Provided No loss letter is sufficient to clear this condition. Nothing more is needed, kindly ree[Redacted]luate and remove condition Reviewer Comment (2026-08-25): Require Hazard Insurance Policy prior to note date or provide previous Hazard Insurance Policy. Exception Cleared. Buyer Comment (2026-08-21): Please see attached copy of signed no loss letter to clear remaining condition Reviewer Comment (2026-06-29): Received renewal HOI policy effective date is after the Note and disbursement date. Required current HOI policy with covering note date. Exception Remains. Buyer Comment (2026-06-26): Please see attached copy of policy to clear condition |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677352 | [Redacted] | [Redacted] | 36609163 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points on Closing Disclosure is $[redacted] and on Loan Estimate $[redacted]. No [Redacted]lid change circumstance in file, no cure was provided to the borrower. | Reviewer Comment (2026-06-29): [redacted] Received COC dated [redacted] along with supporting comments on the exception explaining the reason for increased discount point fee. Buyer Comment (2026-06-26): between [redacted] and [redacted] CD, the borrower voluntarily brought the discount points up to [redacted] % to lower the interest rate to [redacted]%, and [redacted] disclosed, Kindly remove condition Reviewer Comment (2026-06-22): [redacted]received COC dated [redacted].However, the fee increased on CD dated [redacted]. Kindly provide a [Redacted]lid COC for the fee increased on CD dated [redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-19): Please see attached copy of COC to clear condition Reviewer Comment (2026-06-10): [redacted]received disclosure summary, however no COC provided for increase of loan discount points on CD dated [redacted]. Please provide [Redacted]lid COC with sufficient information why loan discount points increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-08): Please see attached copy of COC to clear condition |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677352 | [Redacted] | [Redacted] | 37380349 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2026-09-03): Cleared. Received previoius policy reflecting coverage. Reviewer Comment (2026-08-27): No Loss letter provided is not from insurance provider, exception remains. Buyer Comment (2026-08-27): waterfall |
09/03/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| 225678179 | [Redacted] | [Redacted] | 36612299 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of d[Redacted] related to Occupancy. | - | As per Declaration page, Borrower has updated as yes for occupying Investment property. | Reviewer Comment (2026-06-08): Corrected [redacted]received & associated. Exception cleared. Seller Comment (2026-06-04): [redacted] |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| 225683396 | [Redacted] | [Redacted] | 36632121 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document is missing. | Reviewer Comment (2026-06-10): Insurance Verification received and associated. Exception cleared. Buyer Comment (2026-06-09): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225683396 | [Redacted] | [Redacted] | 36632160 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title coverage not provided. | Reviewer Comment (2026-06-16): Title supplement received covering loan [Redacted]lue. Buyer Comment (2026-06-14): Please see attached. |
06/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225683396 | [Redacted] | [Redacted] | 36632164 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-06-16): Certificate of Good Standing of [redacted] received. Buyer Comment (2026-06-14): Please see attached. Reviewer Comment (2026-06-10): Required Certificate of Good Standing for [redacted]to clear the exception. Exception Remains. Buyer Comment (2026-06-09): Please see attached. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||||
| 225683396 | [Redacted] | [Redacted] | 36632197 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable [redacted]-party records. | [redacted] document not signed. | Reviewer Comment (2026-07-13): Signed and dated [redacted] received. Buyer Comment (2026-07-09): Please see attached. Reviewer Comment (2026-06-16): Signed and dated [redacted] return is required / Most recent signed and dated [redacted]s. Buyer Comment (2026-06-14): This property is a commercial property ([redacted] Unit). The loan is a commercial loan and does not show on their credit report. I have attached the [redacted] tax return for this entity and the mortgage statement. Reviewer Comment (2026-06-11): [redacted]s for year [redacted]and [redacted]are not signed. Exception remains Buyer Comment (2026-06-09): Can you claify which document you need signed? |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225683396 | [Redacted] | [Redacted] | 36632198 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | [redacted] document not signed. | Reviewer Comment (2026-07-13): Signed and dated [redacted] received. |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225683396 | [Redacted] | [Redacted] | 36654797 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing mortgage statement for [redacted] | Reviewer Comment (2026-06-16): Missing Mortgage Statement for [redacted]. Exception Remains Buyer Comment (2026-06-14): This property is a commercial property ([redacted] Unit). The loan is a commercial loan and does not show on their credit report. I have attached the [redacted] tax return for this entity and the mortgage statement. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225683821 | [Redacted] | [Redacted] | 36636970 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-06-05): Received Final Title Policy. Exception Cleared. Seller Comment (2026-06-03): TITLE |
06/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225683821 | [Redacted] | [Redacted] | 36636971 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-05): Received Final Title Policy. Exception Cleared. |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225684736 | [Redacted] | [Redacted] | 36637329 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [redacted], Disbursement Date: [redacted]. Require current hazard insurance policy in the file. | Reviewer Comment (2026-08-04): Lender correspondence indicating no claims prior to hazard effective date, cleared Buyer Comment (2026-08-04): Please see attached No Loss email from insurance agent as they are unable to back-date the policy. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225684793 | [Redacted] | [Redacted] | 36638558 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. | - | Borrower is a non-permanent resident. The provided employment authorization document is incomplete; a [Redacted]lid, complete employment authorization document is required. | Reviewer Comment (2026-06-10): Received complete copy of employment authorization document. Exception cleared. Buyer Comment (2026-06-08): See [redacted] and [redacted] |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225684793 | [Redacted] | [Redacted] | 36638562 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | Borrower is a non-permanent resident. The provided employment authorization document is incomplete; a [Redacted]lid, complete employment authorization document is required. | Reviewer Comment (2026-06-10): Received complete copy of employment authorization document. Exception cleared. Buyer Comment (2026-06-09): Document is [redacted] but appears to be cuttoff. Here is fresh upload. Buyer Comment (2026-06-09): Document is [redacted]but appears to be cuttoff. Here is fresh upload. Buyer Comment (2026-06-08): See [redacted] and [redacted] |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225684793 | [Redacted] | [Redacted] | 36638590 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The [redacted] percent fee exceeds the tolerance of $[redacted] due to the recording fee increasing on the final closing disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-09): [redacted] received LOX in lieu of COC for increase in recording fee. Buyer Comment (2026-07-07): Recording fee increase was for deed that needed to be recorded. The estimate increased to [redacted] on [redacted] LE [redacted] but was then reduced to [redacted]on Final CD [redacted] . [Redacted]lid reason for increase as this would have not been known prior to initial LE. Buyer Comment (2026-07-07): Recording fee increase was for deed that needed to be recorded. The estimate increased to [redacted] on [redacted]LE [redacted] but was then reduced to [redacted]on Final CD [redacted] . [Redacted]lid reason for increase as this would have not been known prior to initial LE. Reviewer Comment (2026-06-22): [redacted] received rebuttal and LOE, however COC dated [redacted]does not provide a[Redacted] information why recording fee increased. Please provide [Redacted]lid COC for recording fee increase or cure of [redacted] is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-19): COC is [redacted] . Also see from title. Reviewer Comment (2026-06-09): [redacted] received LEs. However, we would require a [Redacted]lid COC for the recording fee increased on LE dated [redacted] for [redacted] . Kindly provide a [Redacted]lid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-08): See Missing LEs and COC for baseline |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225684793 | [Redacted] | [Redacted] | 36638591 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The appraisal re-inspection fee of $[redacted] on the final closing disclosure exceeds the tolerance of $[redacted]. This is $[redacted] over the legal limit. Sufficient cure was provided to the borrower. | Reviewer Comment (2026-06-09): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-06-08): See [redacted] . Lender Credit give on Section [redacted] page [redacted] . Credit + Appraisal Reinspection. [redacted] ([redacted] +[redacted]) |
06/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225684793 | [Redacted] | [Redacted] | 36638592 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The credit report fee of $[redacted], as per the final closing disclosure, exceeds the tolerance of $[redacted]. This is $[redacted]over the legal limit. Sufficient cure was provided to the borrower. | Reviewer Comment (2026-06-09): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-06-08): See [redacted] . Lender Credit give on Section [redacted] page [redacted] . Credit + Appraisal Reinspection. $[redacted] ([redacted] +[redacted]) |
06/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225684793 | [Redacted] | [Redacted] | 36920890 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225684793 | [Redacted] | [Redacted] | 36920891 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225685957 | [Redacted] | [Redacted] | 36685670 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI difference due to subject expenses PITI were considered twice. | Reviewer Comment (2026-07-07): updated Reviewer Comment (2026-07-07): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]. Buyer Comment (2026-07-06): please clear, the bid tape has been updated Reviewer Comment (2026-06-19): Received updated [redacted] document. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-06-18): [redacted] & [redacted] Reviewer Comment (2026-06-18): DTI discrepancy is due to PITIA of property "[redacted] " considered twice, one as primary and [redacted] as investment. [redacted] is reflecting the same property as Investment. Exception remains. Buyer Comment (2026-06-16): You also have more negative cash flow then our 1008 which seems to be why we are off. Buyer Comment (2026-06-16): What expenses are calculated twice. it seems your P & I is off from ours. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225689594 | [Redacted] | [Redacted] | 36646191 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to recent year [redacted] tax return document missing. Borrower is self-employed ([redacted]); file does not have verification of business document. | Reviewer Comment (2026-07-02): Borrower is a tax preparer, verified the status from doc [redacted] which is from tax preparer registrar website. Exception cleared. Buyer Comment (2026-06-30): rebuttal uploaded per [redacted] Reviewer Comment (2026-06-26): Document [redacted] is internet search page, which is already been considered, please provide third party verification/ CPA letter within [redacted] days of closing. Reviewer Comment (2026-06-25): Most recent signed and dated [redacted] & CPA/ Third party verification is required. Buyer Comment (2026-06-24): Docs already submitted, please see reubttal Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. Buyer Comment (2026-06-12): Please see page [redacted] , her business is under schedule C of her [redacted] |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225689594 | [Redacted] | [Redacted] | 36646192 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current [redacted] status using reasonably reliable [redacted]-party records. | [redacted] due to recent year [redacted] tax return document missing. Borrower is self-employed ([redacted]); file does not have verification of business document. | Reviewer Comment (2026-07-02): Borrower is a tax preparer, verified the status from doc [redacted] which is from tax preparer registrar website. Exception cleared. Reviewer Comment (2026-06-25): Most recent signed and dated [redacted] & CPA/ Third party verification is required. Buyer Comment (2026-06-24): Docs already submitted, please see reubttal Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689594 | [Redacted] | [Redacted] | 36646193 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted] due to recent year [redacted] tax return document missing. | Buyer Comment (2026-07-09): Waived Reviewer Comment (2026-07-09): This is an [redacted] citing for informational purposes only. Lender may waive. Buyer Comment (2026-07-07): [redacted] and [redacted] is the [redacted] tax extension Reviewer Comment (2026-06-25): Most recent signed and dated [redacted] & CPA/ Third party verification is required. Buyer Comment (2026-06-24): Docs already submitted, please see rebuttal Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689594 | [Redacted] | [Redacted] | 36646194 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted] due to recent year [redacted] tax return document missing. | Buyer Comment (2026-07-09): Waived Reviewer Comment (2026-07-09): This is an [redacted] citing for informational purposes only. Lender may waive. Buyer Comment (2026-07-07): [redacted] and [redacted] is the [redacted] tax extension Reviewer Comment (2026-06-26): Document [redacted] is internet search page, which is already been considered, please provide third party verification/ CPA letter within [redacted] days of closing. Buyer Comment (2026-06-24): Docs already submitted, please see rebuttal Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689594 | [Redacted] | [Redacted] | 36646195 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted] due to recent year [redacted] tax return document missing. | Buyer Comment (2026-07-09): Waived Reviewer Comment (2026-07-09): This is an [redacted] citing for informational purposes only. Lender may waive. Buyer Comment (2026-07-07): [redacted] and [redacted] is the [redacted] tax extension Reviewer Comment (2026-06-26): Document [redacted] is internet search page, which is already been considered, please provide third party verification/ CPA letter within [redacted] days of closing. Buyer Comment (2026-06-24): Docs already submitted, please see rebuttal Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689594 | [Redacted] | [Redacted] | 36646196 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted] due to recent year [redacted] tax return document missing. | Buyer Comment (2026-07-09): Waived Reviewer Comment (2026-07-09): This is an [redacted] citing for informational purposes only. Lender may waive. Buyer Comment (2026-07-07): [redacted] and [redacted] is the [redacted] tax extension Reviewer Comment (2026-06-26): Document [redacted] is internet search page, which is already been considered, please provide third party verification/ CPA letter within [redacted] days of closing. Buyer Comment (2026-06-24): Docs already submitted, please see rebuttal Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689594 | [Redacted] | [Redacted] | 36646197 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted] due to recent year [redacted] tax return document missing. | Buyer Comment (2026-07-09): Waived Reviewer Comment (2026-07-09): This is an [redacted] citing for informational purposes only. Lender may waive. Buyer Comment (2026-07-07): [redacted] and [redacted] is the [redacted] tax extension Reviewer Comment (2026-06-26): Document [redacted] is internet search page, which is already been considered, please provide third party verification/ CPA letter within [redacted] days of closing. Buyer Comment (2026-06-24): Docs already submitted, please see rebuttal Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689594 | [Redacted] | [Redacted] | 36646199 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | [redacted] due to recent year [redacted] tax return document missing. | Reviewer Comment (2026-07-02): Borrower is a tax preparer, verified the status from doc [redacted] which is from tax preparer registrar website. Exception cleared. Reviewer Comment (2026-06-15): Most recent signed and dated [redacted] & CPA/ Third party verification is required. |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Second Home | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689619 | [Redacted] | [Redacted] | 36670872 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted] | The final closing statement is missing from the file. | Reviewer Comment (2026-07-21): Received Final Closing Statement updated [Redacted]lues and associated. Exception cleared. Buyer Comment (2026-07-17): Please see attached final HUD |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225689619 | [Redacted] | [Redacted] | 36670901 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Source of Funds for the Initial Pur[Redacted] not provided | File is missing the source of funds for the initial pur[Redacted] of the subject property for this delayed financing transaction. | Reviewer Comment (2026-07-21): Guidelines for Cash Out refinance doesn't have a[Redacted] stipulations that if the property is owned for less than [redacted] months it must be considered a Technical Refinance or pur[Redacted] assets being required to be verified. Title seasoning requirements: Title Seasoning There is no seasoning requirement for a cash out refinance, as long as one of the Applicants is an original pur[Redacted]r and their ownership of the subject property is uninterrupted from the subject's original pur[Redacted]. Exception cleared Buyer Comment (2026-07-17): if this were a Technical Refinance, it would have been reflected on the LOCK and would have been processed as a R/T refinance. Guidelines for Cash Out refinance doesn't have a[Redacted] stipulations that if the property is owned for less than [redacted] months it must be considered a Technical Refinance or pur[Redacted] assets being required to be verified. Title seasoning requirements: Title Seasoning There is no seasoning requirement for a cash out refinance, as long as one of the Applicants is an original pur[Redacted]r and their ownership of the subject property is uninterrupted from the subject's original pur[Redacted]. Reviewer Comment (2026-07-17): Doc ID [redacted] (Buyer's Settlement Statement) confirms the subject property was pur[Redacted]d on [redacted]. No loan proceeds were used in the prior transaction, and [redacted] was deposited into escrow. Since the refinance occurred within [redacted] months of acquisition and no financing was used for the pur[Redacted], this is considered a Technical/Delayed Financing refinance. Proof of the [redacted] deposited into escrow by [redacted] is required to clear the exception. Exception remains. Buyer Comment (2026-07-16): Please provide the guidance where [Redacted] Guidelines require SOF from the pur[Redacted] of a property to be verified or cancel the condition. The only place I can find this guidance is under Technical Refinance, which is not the program used on this transaction. This is a straight forward cash out refinance. Reviewer Comment (2026-07-02): Required Source of Funds for the Initial Pur[Redacted] of the subject property. Exception remains. Buyer Comment (2026-06-30): Based on Cash out guidelines there is no stipulation that funds for the initial pur[Redacted] must be verified. (unless doing a Technical Refi, which this is not) |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225689619 | [Redacted] | [Redacted] | 36670917 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title is vested in the primary borrower only, however the security instrument reflect [redacted] title holders. Please provide the deed transferring the property. | Reviewer Comment (2026-07-01): Received Grant Deed document. Verified and updated details. Exception Cleared. Buyer Comment (2026-06-30): Please see attached Deed |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225689876 | [Redacted] | [Redacted] | 36646241 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Informational level [redacted] exception only. Missing [redacted] business tax returns. | Reviewer Comment (2026-07-07): Client elects to waive. Buyer Comment (2026-06-25): please see attached [redacted] personal tax extension and [redacted] business tax returns Reviewer Comment (2026-06-24): Require latest year [redacted] business and personal tax return or extension of both to clear the exception. Exception Remains. Buyer Comment (2026-06-20): Signature agency loan that follows [redacted] & [redacted] guidelines on tax return due dates. Although per the IRS business tax returns are due [redacted], the investors follow all tax returns being due [redacted]. Please see the attached [redacted] age of tax returns and tax documentation requirements. For applications dated between [redacted] - [redacted]if [redacted] tax returns are not filed then [redacted]returns are required. The [redacted] tax return is recommended; however, if [redacted] returns have not been filed, [redacted]returns are acceptable. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Pur[Redacted] | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225691028 | [Redacted] | [Redacted] | 36671893 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - [redacted] Home not provided | Reviewer Comment (2026-06-12): Received Rider-[redacted] Home. Exception Cleared Buyer Comment (2026-06-10): [redacted]nd rider |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225691028 | [Redacted] | [Redacted] | 36676621 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide Mortgage statement. | Reviewer Comment (2026-06-12): As per the a[Redacted]ilable documents, information has been re-[Redacted]lidated. Exception Cleared. Buyer Comment (2026-06-10): LOE |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225692669 | [Redacted] | [Redacted] | 36665286 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC search is missing for business entity. | Reviewer Comment (2026-06-10): Received OFAC search for business entity. Exception Cleared. Buyer Comment (2026-06-09): Please see attached copy of OFAC to clear condition |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225692669 | [Redacted] | [Redacted] | 36665302 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The note is currently signed by the borrower in the capacity of a member holding [redacted]% ownership. Please revise the note to reflect [redacted] as an individual borrower, or alternatively, provide a guarantor agreement evidencing his role as a member. | Reviewer Comment (2026-07-23): Note with correct signature lines, cleared Buyer Comment (2026-07-23): Please see attached copy of Corrected and signed Note to clear this condition |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225692678 | [Redacted] | [Redacted] | 36663651 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure was provided for this violation. | Reviewer Comment (2026-06-05): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
06/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225692678 | [Redacted] | [Redacted] | 36721159 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At Closing |
06/12/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225692678 | [Redacted] | [Redacted] | 36722515 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. | Documentation was not located in the file. | Reviewer Comment (2026-07-10): Upated COC d[Redacted] Buyer Comment (2026-07-08): please see attached. apor was [redacted] on [redacted] when the loan was locked. [redacted] + [redacted] = [redacted], below the loan apor Reviewer Comment (2026-06-30): To determine a [redacted] Subprime loan, you compare the APR to the [redacted] + [redacted] (for [redacted]st liens). If the APR is over, you have a [redacted] Subprime Loan. The Subprime rule further defines "Fully indexed rate" as: for an adjustable rate loan based on an index, the annual percentage rate calculated using the index rate on the loan on the date the lender provides the "good faith estimate" required under [redacted] USC §[redacted]et seq. plus the margin to be added to it after the expiration of a[Redacted] introductory period or periods; or (ii) for a fixed rate loan, the annual percentage rate on the loan disregarding a[Redacted] introductory rate or rates and a[Redacted] interest rate caps that limit how quickly the contractual interest rate may be reached calculated at the time the lender issues its commitment. Exception [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted], or [redacted]. Non-Compliant Subprime Loan. Buyer Comment (2026-06-26): Please clarify as per attached [redacted]Banking Law [redacted] states that it's the initial interest rate or fully indexed rate +[redacted]so [redacted]+[redacted]=[redacted] Reviewer Comment (2026-06-16): The APR of [redacted]is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted], or [redacted]. Buyer Comment (2026-06-12): per our compliance report doc [redacted] , loan is not a subprime |
07/10/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| 225692678 | [Redacted] | [Redacted] | 36722516 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the Banking Law. | The Subprime legend in not on the security instrument. | Reviewer Comment (2026-07-10): Upated COC d[Redacted] Buyer Comment (2026-07-08): please see attached. apor was [redacted] on [redacted] when the loan was locked. [redacted] + [redacted] = [redacted], below the loan apor Reviewer Comment (2026-06-30): To determine a [redacted] Subprime loan, you compare the APR to the [redacted] + [redacted] (for [redacted]st liens). If the APR is over, you have a [redacted] Subprime Loan. The Subprime rule further defines "Fully indexed rate" as: for an adjustable rate loan based on an index, the annual percentage rate calculated using the index rate on the loan on the date the lender provides the "good faith estimate" required under [redacted] USC §[redacted]et seq. plus the margin to be added to it after the expiration of a[Redacted] introductory period or periods; or (ii) for a fixed rate loan, the annual percentage rate on the loan disregarding a[Redacted] introductory rate or rates and a[Redacted] interest rate caps that limit how quickly the contractual interest rate may be reached calculated at the time the lender issues its commitment. Exception [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted], or [redacted]. Non-Compliant Subprime Loan. Buyer Comment (2026-06-26): Please clarify as per attached [redacted]Banking Law [redacted] states that it's the initial interest rate or fully indexed rate +[redacted]so [redacted]+[redacted]=[redacted] Reviewer Comment (2026-06-16): The APR of [redacted]is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted], or [redacted]. Buyer Comment (2026-06-12): per our compliance report doc [redacted] , loan is not a subprime |
07/10/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225692678 | [Redacted] | [Redacted] | 36722517 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Market Rate [redacted]+ [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. | Documentation was not located in the file. | Reviewer Comment (2026-07-10): Upated COC d[Redacted] Buyer Comment (2026-07-08): please see attached. apor was [redacted] on [redacted] when the loan was locked. [redacted] + [redacted] = [redacted], below the loan apor Reviewer Comment (2026-06-30): To determine a [redacted] Subprime loan, you compare the APR to the [redacted] + [redacted] (for [redacted]st liens). If the APR is over, you have a [redacted] Subprime Loan. The Subprime rule further defines "Fully indexed rate" as: for an adjustable rate loan based on an index, the annual percentage rate calculated using the index rate on the loan on the date the lender provides the "good faith estimate" required under [redacted] USC §[redacted]et seq. plus the margin to be added to it after the expiration of a[Redacted] introductory period or periods; or (ii) for a fixed rate loan, the annual percentage rate on the loan disregarding a[Redacted] introductory rate or rates and a[Redacted] interest rate caps that limit how quickly the contractual interest rate may be reached calculated at the time the lender issues its commitment. Exception [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted], or [redacted]. Non-Compliant Subprime Loan. Buyer Comment (2026-06-26): Please clarify as per attached [redacted]Banking Law [redacted] states that it's the initial interest rate or fully indexed rate +[redacted]so [redacted]+[redacted]=[redacted] Reviewer Comment (2026-06-16): The APR of [redacted]is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted], or [redacted]. Buyer Comment (2026-06-12): per our compliance report doc [redacted] , loan is not a subprime |
07/10/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under [Redacted] Subprime 6-m(7) appears to be limited to making a non-compliant [Redacted] Subprime loan into a compliant [Redacted] subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of [Redacted] Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225692678 | [Redacted] | [Redacted] | 36722562 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Evidence of borrower's receipt of the appraisal was not provided in the file. | Reviewer Comment (2026-06-15): Borrower e-signed appraisal on [redacted]. Buyer Comment (2026-06-12): per our compliance report doc [redacted] , loan is not a subprime. please see doc [redacted] page [redacted] for proof borr recvd appraisal (esigned at the top) |
06/15/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225692678 | [Redacted] | [Redacted] | 36722563 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Evidence of borrower's receipt of the appraisal was not provided in the file. | Reviewer Comment (2026-06-15): Borrower e-signed appraisal on [redacted]. Buyer Comment (2026-06-12): per our compliance report doc [redacted] , loan is not a subprime. please see doc [redacted] page [redacted] for proof borr recvd appraisal (esigned at the top) |
06/15/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225692681 | [Redacted] | [Redacted] | 36664268 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI discrepancy due to rental income for REO property "[redacted]" utilized to qualify borrower. No source document in file to include this in DTI calculations. | Reviewer Comment (2026-07-02): Received [redacted] document of [redacted] property for rental income information, Exception cleared. Buyer Comment (2026-07-01): Please see attached Comparable Rent schedule for property at [redacted] showing market rents of [redacted] however we have qualified with g[Redacted] rents of [redacted] as a conser[Redacted]tive approach as the property has just been reno[Redacted]ted and has not yet been rented (at the time of this transaction). |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225692681 | [Redacted] | [Redacted] | 36668213 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-21): Received title commitment policy document with the policy amount to meet the loan amount. Exception Cleared. Buyer Comment (2026-07-17): Please see attached updated title showing policy amount of [redacted] |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225692681 | [Redacted] | [Redacted] | 36677019 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing verification of taxes for [redacted]. | Reviewer Comment (2026-07-02): Fraud report and closing disclosure is showing the property taxes information for [redacted], Exception cleared. Buyer Comment (2026-07-01): Please see the CD from the new loan on this property that provides this information. CD found in [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225692752 | [Redacted] | [Redacted] | 36664500 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient: $[redacted]. | Reviewer Comment (2026-08-12): Received the Master Policy. Exception cleared. Buyer Comment (2026-08-11): Please see attached Master Policy to clear this suspense condition Reviewer Comment (2026-07-23): The subject property is in a townhouse project and only HO-[redacted]policy was provided, please also provide the master project policy. Buyer Comment (2026-07-21): Per [redacted] guides, we are not required to provide the RCE. The policy reflects [redacted] replacement cost, which is sufficient to clear this condition Reviewer Comment (2026-07-21): Reviewed hazard insurance coverage. Coverage A (Dwelling) of [redacted] is not sufficient to cover and will not consider other structures for coverage. Required hazard insurance with expended replacement cost or replacement cost estimator document with sufficient coverage. Exception remains. Buyer Comment (2026-07-17): Please see doc [redacted] page [redacted] showing full amount of coverage in the amount of [redacted] . Kindly remove condition |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692752 | [Redacted] | [Redacted] | 36721204 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At Closing |
06/12/2026 | No | 1 | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225693510 | [Redacted] | [Redacted] | 36667700 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification, Insurance Verification missing for [redacted] | Reviewer Comment (2026-06-16): Corrected 1003/1008 provided and all expenses for REO verified. Exception cleared. Seller Comment (2026-06-15): Tax = [redacted] . HOI = [redacted] . Space Rent = [redacted] . TOTAL = [redacted] . See corrected 1003 / 1008 Reviewer Comment (2026-06-15): Received [redacted] document has the monthly payment of [redacted] out of which we have tax of [redacted] and Insurance of [redacted] while remaining [redacted] details is not provided. Please provide complete bifurcation of all the fees. Seller Comment (2026-06-11): CORRECTED [redacted] Reviewer Comment (2026-06-11): As per the Updated 1003 received, the monthly payment for the property at [redacted] is reported as [redacted] ; however, no supporting documentation is a[Redacted]ilable to verify other expenses of [redacted] . Also, provide updated 1008 as per updated DTI. Exception remains. Seller Comment (2026-06-09): corrected [redacted] Reviewer Comment (2026-06-09): As per the [redacted] , the monthly payment for the property at [redacted]is reported as [redacted]; however, no supporting documentation is a[Redacted]ilable to verify this amount. Exception remains. Seller Comment (2026-06-08): insurance and land fee ### 1.[redacted] print out for the HOA dues. 2.INSURANCE REQUIREMENTS [redacted] does not require homeowners to carry homeowners insurance. If you have a mortgage, your mortgage servicer will require you to carry enough insurance to rebuild your home. Also, if your property is in a high-risk flood zone according to federal flood maps, your lender will require you to carry flood insurance ### THE PROPERTY IS FREE AND CLEAR |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225693972 | [Redacted] | [Redacted] | 36664343 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Appraisal Transfer letter in name of [redacted] is missing | Reviewer Comment (2026-06-09): Lender does not differ from the note. No appraisal transferred. Seller Comment (2026-06-08): This is not a transferred appraisal |
06/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | B | A | Non QM | Non QM | No | ||||||||||
| 225693972 | [Redacted] | [Redacted] | 36666590 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-09): Updated Title primary received covering policy amount. Seller Comment (2026-06-08): PRELIM SUPPLEMENT - PROPOSED INSURED |
06/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | B | A | Non QM | Non QM | No | ||||||||||||
| 225694980 | [Redacted] | [Redacted] | 36664795 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception to permit [redacted]% LTV Subject property is a manufactured home located in a rural area with a zoning classification identified as a rural district with residential/agricultural use. This property type and zoning are not permitted under program guidelines; therefore, the loan is ineligible. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-12): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-10): Please see attached |
06/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Investment | Pur[Redacted] | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225694980 | [Redacted] | [Redacted] | 36664798 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Reviewer Comment (2026-07-13): No rental income used to qualify. Exception cleared. Buyer Comment (2026-07-09): The condition appears to be in[Redacted]lid, as rental income is not being used to qualify for this loan. The URLA (Form 1003) does not reflect a[Redacted] rental income for the subject property, and the Transmittal Summary indicates the property's PITIA results in negative cash flow. Since no rental income is being used for qualification, a Form [redacted] Rent Comparison Schedule is not required. Based on the above, we respectfully request that this condition be removed. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225697674 | [Redacted] | [Redacted] | 36665625 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | The Final Rate Lock dated [redacted] reflects a DSCR of [redacted] using a monthly Qualifying Income amount of $[redacted] and the calculated monthly income amount is $[redacted] with a DSCR of [redacted]. | Reviewer Comment (2026-07-23): Received updated worksheet. condition cleared. Reviewer Comment (2026-07-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-07-21): Please see updated 1008 which shows that our DSCR scores now match. Please clear condition. Reviewer Comment (2026-06-23): No new document received. Rents considered for DSCR calculation is Unit [redacted] [redacted] , unit [redacted] [redacted] , unit [redacted] $[redacted]and unit [redacted]$[redacted]which is totaling to [redacted] . [redacted] /[redacted] = [redacted]. Exception remains. Buyer Comment (2026-06-19): Could you please provide me with your calculations on where you are getting your DSCR [redacted] Reviewer Comment (2026-06-12): Please provide more explanation to your rebuttal . The Final Rate Lock dated [redacted]reflects a DSCR of [redacted]using a monthly Qualifying Income amount of [redacted]and the calculated monthly income amount is [redacted] with a DSCR of [redacted] . Lease agreements provided support [redacted] income. Buyer Comment (2026-06-10): Please review lease agreements starting on page [redacted] . This should clear up the DSCR discrepentcy. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225697674 | [Redacted] | [Redacted] | 36665634 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing Closing Statement/HUD for sold property used in [redacted] Exchange. | Reviewer Comment (2026-06-11): Closing statement provided. Exception cleared. Buyer Comment (2026-06-10): Please see attached. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225697674 | [Redacted] | [Redacted] | 36678164 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The borrower is living rent-free. The guidelines require evidence of homeownership, and this is missing from the loan file. | Reviewer Comment (2026-06-12): LOE for rent free is provided [redacted] Buyer Comment (2026-06-12): Please see rent free letter Reviewer Comment (2026-06-11): Borrower is living rent free. As per guides we require supporting documents rent free letter and deed of ownership. Exception remains. Buyer Comment (2026-06-10): Per the guides: If the loan's DSCR is ≥ [redacted] : The DSCR section [redacted]oes not state that the borrower must own their primary residence. Please clear condition. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225698073 | [Redacted] | [Redacted] | 36666998 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. [redacted]. | Reviewer Comment (2026-08-17): Updated Note, Guarantor agreement, destroyed note affidavit provided. Buyer Comment (2026-08-13): Please see updated Note where borrower has not signed as an individual on [redacted]loan with PPP. The Personal Guaranty Affidavit is provided and the destroyed Note Affidavit in relation to the original Note. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225698073 | [Redacted] | [Redacted] | 37241653 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. [redacted]. | [redacted] exception for prepayment penalty -borrowing business entity. | Buyer Comment (2026-08-18): OK to Waive per CNR |
08/18/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||||||
| 225698093 | [Redacted] | [Redacted] | 36667303 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | Section [redacted]: Declaration question "A. Will you occupy the property as you primary residence?" checked No for both borrowers. | Reviewer Comment (2026-06-17): Received revised [redacted]. Exception cleared. Buyer Comment (2026-06-15): [redacted] |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225698093 | [Redacted] | [Redacted] | 36667330 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-16): [redacted] received LOX and COC. Buyer Comment (2026-06-15): TRID |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225698098 | [Redacted] | [Redacted] | 36666265 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225698098 | [Redacted] | [Redacted] | 36680545 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | [redacted]% [Redacted]riance in DTI is due to lenders P&I calculation of $[redacted] per months vs actual P&I of $[redacted] per month. | Reviewer Comment (2026-06-15): Received revised 1008. Exception cleared. Buyer Comment (2026-06-12): Please see attached copy of revised 1008 to clear conditions Reviewer Comment (2026-06-12): As per [redacted] state requirements, property taxes must be calculated at [redacted]of the property [Redacted]lue. Please provide an updated [redacted] reflecting the correct DTI, along with updated bid tape d[Redacted]. Exception Remains. Buyer Comment (2026-06-11): Estimated TIA on Final CD in the amount of [redacted] . Kindly remove condition Reviewer Comment (2026-06-11): DTI [Redacted]riance is due to tax amount [redacted][redacted] monthly and lender considered [redacted] monthly. Exception remains. Buyer Comment (2026-06-10): Please see doc [redacted] page [redacted] for the Final Cd showing P&I at [redacted]. Kindly remove condition |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225698098 | [Redacted] | [Redacted] | 36680552 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI [Redacted]riance. [redacted] % [Redacted]riance in DTI is due to lender's P&I calculation of $[redacted] per month versus actual P&I of $[redacted] per month. | Reviewer Comment (2026-06-19): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. Reviewer Comment (2026-06-11): DTI [Redacted]riance is due to tax amount [redacted][redacted] monthly and lender considered [redacted] monthly. Exception remains. Buyer Comment (2026-06-10): waterfall |
06/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225698098 | [Redacted] | [Redacted] | 36680553 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI [Redacted]riance. [redacted] % [Redacted]riance in DTI is due to lender's P&I calculation of $[redacted] per month versus actual P&I of $[redacted] per month. | Reviewer Comment (2026-06-19): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. Reviewer Comment (2026-06-11): DTI [Redacted]riance is due to tax amount [redacted] [redacted] monthly and lender considered [redacted] monthly. Exception remains. Buyer Comment (2026-06-10): waterfall |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225698098 | [Redacted] | [Redacted] | 36682986 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted]-party verification dated within [redacted] days prior to note date that business is currently active was not in file. | Reviewer Comment (2026-06-19): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. Reviewer Comment (2026-06-15): Business license not reflecting document date. Required third party verification which reflects current active status of business within [redacted] days prior to note date. Exception remains. Buyer Comment (2026-06-12): The business entity itself is active from [redacted]to [redacted] . Kindly remove condition Reviewer Comment (2026-06-12): Business License Doc ID [redacted] does not contain a document date to verify that it falls within [redacted] days prior to the note date. Exception remains. Buyer Comment (2026-06-11): Per doc [redacted] , the business has been active since [redacted]and is active until [redacted] . Kindly remove condition Reviewer Comment (2026-06-11): Business License Doc ID [redacted] is not dated to verify the date within [redacted]days prior to note date. Exception remains. Buyer Comment (2026-06-10): Please see doc [redacted] page [redacted]showing business is active, Kindly remove condition |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225698098 | [Redacted] | [Redacted] | 36682987 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted]-party verification dated within [redacted] days prior to note date that business is currently active was not in file. | Reviewer Comment (2026-06-19): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. Reviewer Comment (2026-06-11): Business License Doc ID [redacted] is not dated to verify the date within [redacted]days prior to note date. Exception remains. Buyer Comment (2026-06-10): waterfall |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225698100 | [Redacted] | [Redacted] | 36666665 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance address does not match Note address. | Reviewer Comment (2026-06-29): Received affidavit stating borrower [redacted] and [redacted] is one and the same. Exception Cleared. Buyer Comment (2026-06-25): Affidavit |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225698100 | [Redacted] | [Redacted] | 36666701 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to CPA letter is missing for [redacted] & [redacted]. | Reviewer Comment (2026-08-27): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. CPA does cover the entities paid on the [redacted]s. |
08/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225698100 | [Redacted] | [Redacted] | 36666702 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are [redacted] or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to CPA letter is missing for [redacted] & [redacted]. | Reviewer Comment (2026-08-27): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. CPA does cover the entities paid on the [redacted]s. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225698100 | [Redacted] | [Redacted] | 36666703 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | [redacted] HPML Disclosure is missing. | Buyer Comment (2026-06-29): OK To waive |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225698100 | [Redacted] | [Redacted] | 36666704 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | Buyer Comment (2026-06-29): OK TO Waive |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225698100 | [Redacted] | [Redacted] | 36666705 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee on Closing Disclosure is $[redacted] and on Loan Estimate $[redacted] . No [Redacted]lid change circumstance in file. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225698100 | [Redacted] | [Redacted] | 36666715 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA letter is missing for [redacted] & [redacted]. | Reviewer Comment (2026-08-27): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. CPA does cover the entities paid on the [redacted]s. Buyer Comment (2026-08-27): Please re-designate the loan back to [redacted] Reviewer Comment (2026-08-26): Changed loan designation, however the third party verification is required. Must be dated within [redacted] days prior to closing and support the dates of operation for the borrower and good standing. Buyer Comment (2026-08-24): Please redesignate [redacted] Reviewer Comment (2026-08-18): Reviewed all documentation, however the third party verification for [redacted]remains missing. Must meet lender guides. Buyer Comment (2026-08-14): There will be no tax transcript as the [redacted] go to the business entities and not the borrower directly. [redacted] don't reference borrowers SSN, its the entity TIN We've provided all the document needed per guides Buyer Comment (2026-08-14): There will be no tax transcript as the [redacted] go to the business entities and not the borrower directly. [redacted] don't reference borrowers SSN, its the entity [redacted] We've provided all the document needed per guides Reviewer Comment (2026-07-31): on top of the [redacted] [redacted] and earning statement Doc #[redacted] we also need :Per guidelines for [redacted] product, the followin is required: • A CPA/EA/licensed tax preparer completed profit and loss statement or expense ratio letter, if utilizing Method [redacted] or Method [redacted] • Transcripts of the [redacted]s /W-2's provided by the IRS • If [redacted] transcripts are not a[Redacted]ilable, o Provide documentation of attempted transcript pull, AND one of the following: ▪ Obtain bank statements showing at least [redacted] g[Redacted] receipt income that is payable to borrower or borrower's LLC, OR ▪ A Written Verification of Employment. Buyer Comment (2026-07-29): please clarify as the following has been provided for [redacted] : [redacted] doc [redacted] and earnings statement doc [redacted] , Reviewer Comment (2026-07-16): Per guidelines for [redacted] product, the followin is required: • A CPA/EA/licensed tax preparer completed profit and loss statement or expense ratio letter, if utilizing Method [redacted] or Method [redacted] • Transcripts of the [redacted]s /W-2's provided by the IRS • If [redacted]transcripts are not a[Redacted]ilable, o Provide documentation of attempted transcript pull, AND one of the following: ▪ Obtain bank statements showing at least [redacted] g[Redacted] receipt income that is payable to borrower or borrower's LLC, OR ▪ A Written Verification of Employment. Buyer Comment (2026-07-14): [redacted]sand payroll register for All [redacted] Reviewer Comment (2026-07-09): Third Party Verification (WVOE) provided for employer "[redacted]". Required Third Party Verification either a written VOE or CPA letter for employer "[redacted]". Exception Remains. Buyer Comment (2026-07-08): Our borrowers do not own [redacted]or [redacted] . This is a [redacted]loan Reviewer Comment (2026-07-07): CPA letter is required and not provided for employer "[redacted]" and "[redacted]". Exception Remains. Buyer Comment (2026-07-06): VOEs Reviewer Comment (2026-06-30): Reviewed all trailing docs, however the CPA letter was not among the document. Buyer Comment (2026-06-25): CPA letter |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225698100 | [Redacted] | [Redacted] | 36666723 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | CPA letter is missing for [redacted] & [redacted]. | Reviewer Comment (2026-08-27): Received clarification/appro[Redacted]l/documentation from lender. Condition cleared. CPA does cover the entities paid on the [redacted]s. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225698100 | [Redacted] | [Redacted] | 36682996 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified reserves of [redacted] is less than guideline requirment of [redacted] months PITIA. | Reviewer Comment (2026-07-09): Received lender exception appro[Redacted]l. Condition cleared. Buyer Comment (2026-07-07): Exception |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225698100 | [Redacted] | [Redacted] | 36922676 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for [redacted] months reserves vs [redacted] months. | Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-07-09): Client elects to waive with compensating factors. |
07/09/2026 | Yes | 2 | B | B | B | B | B | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 225698100 | [Redacted] | [Redacted] | 37358950 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of ATR Risk. | Lender redesignated the loan designation to Safe Harbor QM (APOR), however the loan is still missing the third party verification for the borrower's [redacted] job dated within [redacted] days prior to closing reflecting the borrower's dates of operation and good standing. | Reviewer Comment (2026-08-27): Lender changed re-designation to [redacted]from [redacted]via email. Condition cleared. |
08/27/2026 | No | 1 | A | A | A | A | A | MD | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225698100 | [Redacted] | [Redacted] | 37358951 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Loan designation changed per lender instruction. APR does not meet QM requirements. | Reviewer Comment (2026-08-27): Lender changed re-designation to [redacted]from [redacted]via email. Condition cleared. |
08/27/2026 | No | 1 | A | A | A | A | A | MD | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225698121 | [Redacted] | [Redacted] | 36672325 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | File was missing a copy of final HUD. | Reviewer Comment (2026-07-08): ALTA settlement statement associated. Exception cleared. Buyer Comment (2026-07-07): Please see attached copy of signed ALTA to clear condition Reviewer Comment (2026-07-06): Reviewed the Alta closing statement ([redacted] ). The document is not signed/dated or stamped certified. Buyer Comment (2026-07-02): Kindly see the trailing doc uploaded on [redacted]to see the full ALTA statement signed by both borrowers. Kindly remove condition Reviewer Comment (2026-07-02): A signed final statement is not located in the file. Please provide all pages of the signed the final HUD. Buyer Comment (2026-06-30): Kindly review and reconsider. Previously uploaded in the trailing docs is the FINAL ALTA statement signed and executed by BOTH borrowers on page [redacted]. This is sufficient to clear the condition. Kindly remove condition Reviewer Comment (2026-06-30): Final HUD/CD signed and executed by all parties missing in Loan file. Exception Remains. Buyer Comment (2026-06-26): Please see page [redacted] of the ALTA showing both parties signed documents. Kindly remove condition Reviewer Comment (2026-06-12): Received closing statement not signed by all the parties. Exception Remains. Buyer Comment (2026-06-10): Please see attached copy of ALTA statement to clear condition |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225698121 | [Redacted] | [Redacted] | 36691793 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing the corporate resolution outlining the terms of the loan and signed by the authorized signor. | Reviewer Comment (2026-07-06): Received Corporate resolution as required. Exception cleared. Buyer Comment (2026-07-02): Please see attached consent to borrow to clear condition Reviewer Comment (2026-07-01): The received Corporate Resolution reflects a property address and loan amount that differ from the subject loan. Exception Remains. Buyer Comment (2026-06-30): Kindly see doc [redacted] page [redacted] showing Unanimous consent to clear condition Reviewer Comment (2026-06-30): Received Corporate Resolution for Comparable Property. Require Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and Subject property address. Exception remains. Buyer Comment (2026-06-26): Please see attached to clear condition Reviewer Comment (2026-06-23): Received operating agreement which was a[Redacted]ilable at initial review. Require Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address. Exception remains. Buyer Comment (2026-06-19): Please see attached signed operating agreement to clear condition |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225699245 | [Redacted] | [Redacted] | 36672546 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-18): Title commitment with sufficient coverage, cleared Buyer Comment (2026-06-18): Please see attached copy of commitment letter reflecting correct coverage amount. Kindly remove condition |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225699245 | [Redacted] | [Redacted] | 36672548 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insufficient by $[redacted]. | Reviewer Comment (2026-08-14): Hazard insurance with sufficient coverage, cleared Buyer Comment (2026-08-14): Please see attached copy of updated dec page to clear this suspense condition |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225702801 | [Redacted] | [Redacted] | 36672920 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Letter of explanation - Opening New Business Account document date is missing. | Reviewer Comment (2026-07-02): Letter of explanation-Opening New Business Account provided and associated, Exception Cleared. Buyer Comment (2026-07-01): Please see attached screen print showing when we received and uploaded the document to our system. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225702801 | [Redacted] | [Redacted] | 36672930 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Letter of explanation - Opening New Business Account document date is missing. | Reviewer Comment (2026-07-02): Letter of explanation-Opening New Business Account provided and associated, Exception Cleared. Buyer Comment (2026-07-01): Please see attached screen print showing when we received and uploaded the document to our system. |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225702801 | [Redacted] | [Redacted] | 36672931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Letter of explanation - Opening New Business Account document date is missing. | Reviewer Comment (2026-07-02): Letter of explanation-Opening New Business Account provided and associated, Exception Cleared. Buyer Comment (2026-07-01): Please see attached screen print showing when we received and uploaded the document to our system. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225702801 | [Redacted] | [Redacted] | 36672937 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance charges understated by $[redacted] due to undisclosed financed fee of loan safe report and title service charges. | Reviewer Comment (2026-07-13): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-13): Please see attached Cure check, PCCD, Cover Letter and proof [redacted] delivered. |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225702883 | [Redacted] | [Redacted] | 36674239 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. | Reviewer Comment (2026-07-22): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-07-21): Package delivered on [redacted] . please recheck tracking and clear Reviewer Comment (2026-07-13): [redacted] received RTC's and proof of mailing. [redacted] tracking does not reflect the package has been delivered yet. Must provide proof of delivery to confirm receipt to start [redacted] business day waiting period. Provide proof of receipt and to be [redacted] business days prior to the [redacted] cancel by date. Buyer Comment (2026-07-13): RTC Reviewer Comment (2026-07-10): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Buyer Comment (2026-07-09): Cure Docs Reviewer Comment (2026-06-17): [redacted] recieved lender attestation on purpose of title cert is not a life of loan but a one time fee. Finance charge remains underdisclosed at [redacted]. Appears may be related to the Title-Title Services Fee-Lender of [redacted] and the [redacted] Loan Safe Report. Unable to determine what services were provided within the Title-Title Services Fee-Lender for $[redacted]. Lender can provide a lender attestation giving the specific fees and services/purposes provided within that amount for further review, or cure with Corrected CD, LOE to borrower, copy of cure refund of $[redacted], proof of mailing and proof of reopening of rescission to all consumers. Reviewer Comment (2026-06-17): EXCEPTION HISTORY - Exception Detail was updated on [redacted]PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the [redacted]threshold. Disclosed Amount Financed on [redacted]is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted] ). (Final [redacted]) Buyer Comment (2026-06-16): Please see tax cert attestation and remove from [redacted] . Let adjust under disclosure amount. |
07/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225702883 | [Redacted] | [Redacted] | 36809827 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: FICO | Reviewer Comment (2026-06-25): Updated Buyer Comment (2026-06-23): [redacted]is the primary asset contributor with FICO of [redacted] . Please review. Thank you! |
06/25/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225702884 | [Redacted] | [Redacted] | 36673971 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225702884 | [Redacted] | [Redacted] | 36744321 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: FICO | Reviewer Comment (2026-07-13): FICO aligns Reviewer Comment (2026-06-17): The final [redacted] for [redacted] reflect income as [redacted] instead of $[redacted]. Buyer Comment (2026-06-16): Please see the attached FICO D[Redacted] Discrep rebuttal. Thank you. |
07/13/2026 | No | 1 | A | A | A | A | A | CA | Second Home | Pur[Redacted] | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225702886 | [Redacted] | [Redacted] | 36673373 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from $[redacted]to $[redacted]without a [Redacted]lid change of circumstance. No cure was provided at close. | Reviewer Comment (2026-08-18): [redacted] received LOE and COC suffice Buyer Comment (2026-08-17): Please see attached copy of rebuttal / supporting docs. Kindly ree[Redacted]luate and remove condition. Reviewer Comment (2026-07-30): [redacted] received rebuttal comment and snip of rate lock for change in pricing but as per provided information the changes where made on [redacted]but as per disclosures the fee was increased on LE dated [redacted]the COC is not accordance with the §[redacted] (e)([redacted])(iv), when a lender receives information that constitutes a [Redacted]lid Changed Circumstance (COC), the lender has [redacted] business days to provide or place in the mail a revised Loan Estimate (LE). A cure would be required. Buyer Comment (2026-07-28): Please see attached. On [redacted]the lock was changed due to the Non-warrantable condo. In turn, [redacted] disclosed the change to the borrower on [redacted]. [redacted] feels as this is sufficient to clear this condition. Kindly ree[Redacted]luate and remove condition Reviewer Comment (2026-07-21): [redacted] received rebuttal, however as LE dated [redacted]is not excluded from timeline we require [Redacted]lid COC for increase of loan discount points on seq [redacted]LE dated [redacted] . Please provide [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-17): the LE dated [redacted] is the first LE that was not excluded from the timeline. Therefore, the fee has stayed the same since the ILE and will not need a CURE. kindly remove condition Reviewer Comment (2026-07-17): [redacted] received COC dated [redacted]whereas the fee increased on LE dated [redacted]for $[redacted] from $[redacted] [redacted] initial LE. Kindly provide a [Redacted]lid COC for the fee increased on Seq [redacted]LE dated [redacted]for $[redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-07-16): Please see attached copy of COC for [redacted]to clear this condition Reviewer Comment (2026-07-10): [redacted] received LOS snips to verify program change on [redacted] but the points were increased on LE dated [redacted]and there is no COC or LOS snip confirming the changes with change dates. When a lender issues a revised loan estimate reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to rebaseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § [redacted](e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § [redacted] (e)([redacted]) were satisfied. Buyer Comment (2026-07-08): Please see attached COCS and how the loan program and loan amount changed. [redacted] disclosed accordingly. Kindly remove conditions Reviewer Comment (2026-06-22): [redacted] received rebuttal comment that pricing changed due to loan amount but seems file does not contains a[Redacted] COC or supporting document for the same. COC document is required in file to re-baseline the fee. Buyer Comment (2026-06-18): Between the [redacted] ILE's, one was for [redacted] with [redacted] points, while the second shows [redacted] with [redacted] points. Kindly remove condition Reviewer Comment (2026-06-17): [redacted] received rebuttal, however on seq [redacted] LE dated [redacted]fee disclosed as $[redacted]and on seq [redacted]LE dated [redacted] (Doc ID [redacted] ) fee increased to $[redacted] . Please provide [Redacted]lid COC for increase of loan discount points on LE dated [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-15): The LE dated [redacted]and the fee has stayed the same since [redacted] disclosed it. Kindly remove condition Reviewer Comment (2026-06-15): [redacted] received COC dated [redacted] . However ,the fee increased on LE dated [redacted]for $[redacted]. Kindly provide a [Redacted]lid COC for the fee increased on LE dated [redacted]for [redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-11): Please see attached COC to clear condition |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225702886 | [Redacted] | [Redacted] | 36694885 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Per the Tape D[Redacted] and Appro[Redacted]l, an exception was made for the borrower not meeting the minimum tradeline requirements. A copy of the exception appro[Redacted]l was not provided. | Reviewer Comment (2026-06-15): Lender exception document received, exception cleared Buyer Comment (2026-06-11): Please see attached copy of Lender Exception to clear condition |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225702886 | [Redacted] | [Redacted] | 36727805 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for minimum tradeline requirement not met. Lender updated exception to approve loan without a[Redacted] tradelines. |
Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-10): Client elects to waive with compensating factors. Buyer Comment (2026-07-08): Please see attached copy of new lender exception. Please review and remove conditions Reviewer Comment (2026-06-25): Reviewed lender exception again. The disposition comments would need to be changed to reflect only [redacted] tradeline is required. The section reflecting the [redacted] tradeline is within the exception request. Buyer Comment (2026-06-23): The exception itself calls for [redacted]alternativ[Redacted]line to take place in lieu of [redacted] tradelines. That is the essence of the exception. Kindly remove conditions Reviewer Comment (2026-06-23): The appro[Redacted]l disposition comments state "provide [redacted] alternativ[Redacted]lines (can be cell phone, streaming service, gym membership, etc)". Please provide an updated lender exception appro[Redacted]l if this is not a requirement for the exception appro[Redacted]l. Buyer Comment (2026-06-19): The exception appro[Redacted]l states that "[redacted] alternativ[Redacted]lines (can be cell phone, streaming service, gym membership, etc)" is required. Reviewer Comment (2026-06-19): The exception appro[Redacted]l states that "[redacted]alternativ[Redacted]lines (can be cell phone, streaming service, gym membership, etc)" is required. Buyer Comment (2026-06-18): per the lender exception, the exception was for only [redacted]tradeline, not [redacted] . Kindly remove condition Reviewer Comment (2026-06-17): Received lenders exception report. A requirement was listed to provide [redacted] alternat[Redacted]s. Unable to located required alternat[Redacted]lines in the file. Buyer Comment (2026-06-15): waterfall |
07/10/2026 | Yes | 2 | B | B | B | B | B | OH | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225702886 | [Redacted] | [Redacted] | 36727807 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non warrantable due to critical repairs. Updated lender exception to approve loan without a[Redacted] tradelines. |
Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-10): Client elects to waive with compensating factors. Buyer Comment (2026-07-08): Please see attached copy of new lender exception. Please review and remove conditions Reviewer Comment (2026-06-25): Reviewed lender exception again. The disposition comments would need to be changed to reflect only [redacted]tradeline is required. The section reflecting the [redacted]tradeline is within the exception request. Buyer Comment (2026-06-23): The exception itself calls for [redacted] alternativ[Redacted]line to take place in lieu of [redacted] tradelines. That is the essence of the exception. Kindly remove conditions Reviewer Comment (2026-06-23): The appro[Redacted]l disposition comments state "provide [redacted]alternativ[Redacted]lines (can be cell phone, streaming service, gym membership, etc)". Please provide an updated lender exception appro[Redacted]l if this is not a requirement for the exception appro[Redacted]l. Buyer Comment (2026-06-19): please read the bottom of the lender exception. "[redacted]tradeline, $[redacted] monthly payment". Kindly remove condition Reviewer Comment (2026-06-19): The exception appro[Redacted]l states that "[redacted] alternativ[Redacted]lines (can be cell phone, streaming service, gym membership, etc)" is required. Buyer Comment (2026-06-18): per the lender exception, the exception was for only [redacted]tradeline, not [redacted] . Kindly remove condition Reviewer Comment (2026-06-17): Received lenders exception report. A requirement was listed to provide [redacted] alternat[Redacted]s. Unable to located required alternat[Redacted]lines in the file. Buyer Comment (2026-06-15): waterfall |
07/10/2026 | Yes | 2 | B | B | B | B | B | OH | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225702902 | [Redacted] | [Redacted] | 36674283 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on LE but disclosed as $[redacted]on Final closing disclosure. No cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-07): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-06): Attestation Reviewer Comment (2026-06-30): [redacted] received PCCD and LOE moving the fee from section [redacted] to H but moving the fee itself does not explains the fee is not required by the lender. [redacted] provided does not shows if the fee is non lender required. Please provide attestation. The attestation/letter should confirm that the service was not required by lender and is outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-26): survey required by contract and moved to [redacted] Buyer Comment (2026-06-26): pccd |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225702902 | [Redacted] | [Redacted] | 36702209 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD (Asset) not provided | The closing statement to verify funds from the [redacted] Loan is not located in the file. | Reviewer Comment (2026-06-17): The final Closing Disclosure for the [redacted] loan on the REO property has been received and properly documented; the exception has been cleared. Buyer Comment (2026-06-16): [redacted] loan final CD |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225702902 | [Redacted] | [Redacted] | 36702327 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The closing statement to verify the montly payment from the [redacted] Loan is not located in the file. | Reviewer Comment (2026-06-17): The final Closing Disclosure for the [redacted] loan on the REO property has been received and properly documented; the exception has been cleared. Buyer Comment (2026-06-16): Final CD from [redacted] loan submitted |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225703740 | [Redacted] | [Redacted] | 36678194 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted]based on the Commitment in file. | Reviewer Comment (2026-07-06): Title preliminary received & coverage amount updated. Exception cleared. Buyer Comment (2026-07-02): revised commit upld |
07/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | KY | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225703740 | [Redacted] | [Redacted] | 36678258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on[redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Reviewer Comment (2026-07-06): [redacted] received CD and Proof of receipt Buyer Comment (2026-07-02): [redacted] cd and tracking upld, the corresponding coc is on [redacted] . Reviewer Comment (2026-07-01): [redacted]received changed circumstances,esign & [redacted]delivery. However, this would not address this violation. The [redacted] Final CD had an APR of [redacted]that increased over .[redacted]from the [redacted]Initial CD of [redacted] . [redacted]Final CD received on [redacted], which is also consummation date and did not allow the borrower the required [redacted]business day waiting period prior to consummation. If a[Redacted] CD's were not provided that can address, please provide. Only received [redacted]initial CD & [redacted]Final CD. Buyer Comment (2026-06-30): coc details upld, lock is on [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225703740 | [Redacted] | [Redacted] | 36700938 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-02): Received E-sign consent. Exception cleared. Buyer Comment (2026-06-30): econsent and proof initial disclosures were also sent regular mail upld |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225703740 | [Redacted] | [Redacted] | 36701243 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted]month cash flow analysis for each business account used. | Reviewer Comment (2026-07-02): Received CPA Letter as required. Exception cleared. Buyer Comment (2026-06-30): cpa leter upld |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225706297 | [Redacted] | [Redacted] | 36682865 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is that Lender did not consider HOA for the borrowers primary residence in DTI calculation causing discrepancy. | Reviewer Comment (2026-06-25): Re[Redacted]lidated HOA document and updated. Exception cleared Buyer Comment (2026-06-23): Please review HOA for primary again. It's annually [redacted]= [redacted] monthly not [redacted] monthly. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225706297 | [Redacted] | [Redacted] | 36819179 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | required Supporting Documents for the $[redacted]. Provided Tax certificate, Hazard Insurance and HOA document. | Reviewer Comment (2026-07-06): A revised final [redacted] received with correct PITIA for REO. Exception Cleared. Buyer Comment (2026-07-02): [redacted] Buyer Comment (2026-07-02): Taxes are [redacted] + HOI [redacted] + HOA [redacted] = [redacted] |
07/06/2026 | No | 1 | A | A | A | A | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 225707044 | [Redacted] | [Redacted] | 36683206 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted]Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. [redacted]:[redacted]. | No prepayment penalties are permissible in the state of [redacted]under [redacted]. [redacted]:[redacted]. | Reviewer Comment (2026-08-17): Guarantor Agreement received. Information re[Redacted]lidated from the Note and Guarantor Agreement. Exception cleared. Buyer Comment (2026-08-13): Please see updated Note where borrower has not signed as an individual on [redacted]loan with PPP. The Personal Guaranty Affidavit is provided and the destroyed Note Affidavit in relation to the original Note. Buyer Comment (2026-08-13): Please see updated Note where borrower has not signed as an individual on [redacted] loan with PPP. The Personal Guaranty Affidavit is provided and the destroyed Note Affidavit in relation to the original Note. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225707044 | [Redacted] | [Redacted] | 36683209 | Credit | Insurance | Insurance Analysis | Insurance | Flood Insurance Policy expires within [redacted] days of the Note Date. | Flood insurance policy expiration date is [redacted] is before the note date. A [Redacted]lid flood insurance policy covering the note date is required. | Reviewer Comment (2026-07-31): Received renewal flood insurance policy with covering the note date. Exception cleared. Buyer Comment (2026-07-29): Please see attached Flood Renewal Policy. |
07/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225707044 | [Redacted] | [Redacted] | 36711780 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statements for [redacted]and [redacted] mortgage | Reviewer Comment (2026-08-07): Received updated [redacted]and [redacted]reflect the [redacted] considered as revolving with a payment of [redacted]of the outstanding balance. Exception cleared. Buyer Comment (2026-08-06): : Please see attached LOE from borrower that this loan is not tied to a[Redacted] property. [redacted]/ [redacted]have been corrected moving this loan from being listed as a mortgage and listing it as a revolving debt. Borrower has been qualified with a [redacted] payment on the outstanding balance. Buyer Comment (2026-08-06): : Please see attached LOE from borrower that this loan is not tied to a[Redacted] property. [redacted]/ [redacted]have been corrected moving this loan from being listed as a mortgage and listing it as a revolving debt. Borrower has been qualified with a [redacted]payment on the outstanding balance. Buyer Comment (2026-08-06): : Please see attached LOE from borrower that this loan is not tied to a[Redacted] property. [redacted]/ [redacted] have been corrected moving this loan from being listed as a mortgage and listing it as a revolving debt. Borrower has been qualified with a [redacted] payment on the outstanding balance. Reviewer Comment (2026-07-31): Heloc loan payment of [redacted]verified from credit report. The final [redacted]reflects 1st mortgage payment of [redacted]to [redacted]. If this mortgage is secured by the property, provide the current mortgage statement. If not, provide a corrected [redacted]and [redacted]. Exception remain. Buyer Comment (2026-07-29): The only outstanding loan on this property is a HELOC, a mortgage statement is not required. HELOC is verified on the credit report and tax and insurance is verified in the file. LOE from borrower stating no HOA in file. Proof [redacted]lien paid off in [redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225707044 | [Redacted] | [Redacted] | 37241704 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. [redacted]. | Buyer Comment (2026-08-18): OK to waive per [redacted]. |
08/18/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225707296 | [Redacted] | [Redacted] | 36693624 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted]Lien | TRID Final Closing Disclosure [redacted] on a first lien pur[Redacted] transaction did not disclose a[Redacted] Seller paid fees/charges on page [redacted]. | TRID Final Closing Disclosure [redacted]on a [redacted]lien pur[Redacted] transaction did not disclose a[Redacted] Seller paid fees/charges on page [redacted]. | Reviewer Comment (2026-06-16): [redacted] received seller CD. Buyer Comment (2026-06-15): Seller Cd |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225707822 | [Redacted] | [Redacted] | 36683779 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing copy of final title policy document. | Reviewer Comment (2026-06-18): Received final title policy. Exception cleared. |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225707822 | [Redacted] | [Redacted] | 36683788 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Provided title policy amount of $[redacted]is less than the note amount of $[redacted]based on the Commitment in file. | Reviewer Comment (2026-06-18): Received final title policy. Exception cleared. Buyer Comment (2026-06-16): Title |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225708341 | [Redacted] | [Redacted] | 36694294 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates the subject is the primary residence for the borrower. Clarification is required and possibly additional conditions may be required. | Reviewer Comment (2026-07-07): Cleared. Received revised [redacted] Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-06-22): Page [redacted] of the [redacted]has the subject property noted as the primary residence. Buyer Comment (2026-06-19): The condition is in[Redacted]lid. See Final [redacted]pg [redacted] [redacted]. It states no for primary occupancy. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225710791 | [Redacted] | [Redacted] | 36694352 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-11): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-10): Cure Docs |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225710793 | [Redacted] | [Redacted] | 36684459 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Account statements are missing for Business "[redacted]- Self Employed" Bank - [redacted], Account #[redacted], Month: A[redacted] account total deposit $[redacted]. | Reviewer Comment (2026-07-07): Bank Statement received for [redacted]month [redacted]for the account [redacted].Exception cleared. Buyer Comment (2026-07-06): [redacted] statement upld |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710793 | [Redacted] | [Redacted] | 36684583 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Personal not provided | Account statements are missing for Business "[redacted]- Self Employed" Bank - [redacted], Account #[redacted], Month: [redacted], account total deposit $[redacted]. | Reviewer Comment (2026-07-07): Bank Statement received for [redacted]month [redacted]for the account [redacted].Exception cleared. Buyer Comment (2026-07-06): [redacted]statement upld to trl docs |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225710793 | [Redacted] | [Redacted] | 36684656 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing account statements for Business "[redacted]- Self Employed" Bank - [redacted], Account #[redacted], Month: [redacted]. ATR failed. | Reviewer Comment (2026-07-07): Bank Statement received for [redacted]month [redacted]for the account [redacted].Exception cleared. Buyer Comment (2026-07-06): [redacted] statement upld to trl docs |
07/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225710793 | [Redacted] | [Redacted] | 36684657 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing account statements for Business "[redacted]- Self Employed" Bank - [redacted], Account #[redacted], Month: [redacted]. ATR failed. | Reviewer Comment (2026-07-07): Bank Statement received for [redacted]month [redacted]for the account [redacted].Exception cleared. Buyer Comment (2026-07-06): [redacted]statement upld to trl docs |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710793 | [Redacted] | [Redacted] | 36684660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing account statements for Business "[redacted]- Self Employed" Bank - [redacted], Account #[redacted], Month: [redacted]. ATR failed. | Reviewer Comment (2026-07-07): Bank Statement received for [redacted]month [redacted]for the account [redacted].Exception cleared. Buyer Comment (2026-07-06): [redacted]statement upld to trl docs |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710793 | [Redacted] | [Redacted] | 36684661 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-07-08): [redacted]received LOX and as per pur[Redacted] contract, Title Prelim and [redacted]with all [redacted]pieces of information application date changed to [redacted]. Buyer Comment (2026-07-06): rebuttal upld |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710793 | [Redacted] | [Redacted] | 36684710 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Account statements are missing for Business "[redacted]- Self Employed" Bank - [redacted], Account #[redacted], Month:[redacted] account total deposit $[redacted]. | Reviewer Comment (2026-07-07): Bank Statement received for [redacted]month [redacted]for the account [redacted].Exception cleared. Buyer Comment (2026-07-06): [redacted]statement upld to trl docs |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225710794 | [Redacted] | [Redacted] | 36692924 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | [Redacted]riation in DTI is due to the exclusion of [redacted] NA and [redacted]Secured IN. Per [redacted], both accounts were being paid by a third party. However, supporting documentation to confirm payments were made by a third party was not provided. | Reviewer Comment (2026-06-25): Received lender exception appro[Redacted]l to exclude the [redacted] debts paid by other with just a letter of explanation. Condition cleared. Reviewer Comment (2026-06-18): Provided LOE cannot be considered as enough proof to exclude the payment, require payment proof. LOE confirms [redacted]months bank statement showing another person has made this payment, please provide this statement to verify and exclude from the ratio. Buyer Comment (2026-06-17): waterfall Reviewer Comment (2026-06-15): Provide supporting [redacted] months of bank statement showing another person paying these [redacted]debts. Exception remains. Buyer Comment (2026-06-12): waterfall |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225710794 | [Redacted] | [Redacted] | 36692944 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | [Redacted]riation in DTI is due to the exclusion of [redacted]and [redacted] Secured IN. Per [redacted], both accounts were being paid by a third party. However, supporting documentation to confirm payments were made by a third party was not provided. | Reviewer Comment (2026-06-25): Received lender exception appro[Redacted]l to exclude the [redacted] debts paid by other with just a letter of explanation. Condition cleared. Buyer Comment (2026-06-23): Please see attached full copy of lender exception to clear remaining conditions Reviewer Comment (2026-06-22): The lender exception appro[Redacted]l document is not legible. The bottom part of the first page is not cut-off. Please provide all complete pages of the lender exception appro[Redacted]l document. Buyer Comment (2026-06-18): Please see attached copy of Lender Exception regarding this matter. Kindly remove all remaining conditions Reviewer Comment (2026-06-18): Provided LOE cannot be considered as enough proof to exclude the payment, require payment proof. LOE confirms [redacted]months bank statement showing another person has made this payment, please provide this statement to verify and exclude from the ratio. Buyer Comment (2026-06-16): The LOE in itself confirms that the other party is making payments on the debt, not the borrower (s). Kindly remove condition Reviewer Comment (2026-06-16): Required proof to verify other party should have been making payments on the debt for at least [redacted] months. Exception remains. Buyer Comment (2026-06-15): [redacted]months of bank statements are not required. [redacted] feels as if the LOE is enough to clear this condition. Kindly remove condition Reviewer Comment (2026-06-15): Provide supporting [redacted] months of bank statement showing another person paying these [redacted]debts. Exception remains. Buyer Comment (2026-06-12): Please see attached copy of LOE to clear condition |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225710794 | [Redacted] | [Redacted] | 36693005 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Desk Review Fee $[redacted]was not disclosed on the Loan Estimate. The file does not contain a [Redacted]lid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-07-02): [redacted]received rebuttal comment and supporting COC dated [redacted]. Buyer Comment (2026-07-01): Please ree[Redacted]luate. On [redacted]the loan program was [redacted] Conforming [redacted]with no appraisal review fee in docs. The loan program changed on [redacted] to [Redacted] showing the addition and DISCLOSURES on [redacted] . [redacted] acted accordingly and disclosed to the borrower correctly. This loan needs to be cleared, thank you Reviewer Comment (2026-07-01): [redacted]received rebuttal comment. However, as per the a[Redacted]ilable document the program change would have been known on [redacted]due to appro[Redacted]l indicates loan program as "[redacted] - Signature Expended" and triggering the need to disclose all applicable fees. As it was not new knowledge the program was changed to add the fee on [redacted]the additional review fee added is not covered by the COC. If there was an additional reason the fees added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Buyer Comment (2026-06-29): The COC along with the loan program change was disclosed on [redacted] . The Appraisal Review Fee was disclosed on [redacted]within the [redacted] day window. [redacted] disclosed accordingly and a PCCD, and a cure is not required. Kindly remove condition Reviewer Comment (2026-06-29): [redacted]received exception details document indicates target program as " [redacted] ". However, provided appro[Redacted]l document ( [redacted] ) completed on [redacted]with [redacted] - [Redacted] - Full Doc [redacted]fixed. But the second appraisal fee (appraisal review fee) added on [redacted]CD. This is outside of the required [redacted]-day timeline for notification of borrower. Cure is required. Buyer Comment (2026-06-25): between [redacted]and [redacted]the loan program changed from [redacted] Conforming [redacted]YR to [redacted] [Redacted] [redacted] , causing the need for a second appraisal. Kindly remove condition Reviewer Comment (2026-06-18): [redacted]received Changed Circumstance dated [redacted] , but it does not give sufficient information on why the Appraisal review fee was added. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee added and when lender became aware of the change. A [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-06-16): Please see attached copy of COC for [redacted] . Kindly remove condition Reviewer Comment (2026-06-16): [redacted]received rebuttal comment stating loan program change; however, required additional information about the program change and supporting documents for Appraisal review fee. Provide additional information or cure is due. Cure docs consist of PCCD, LOE, Refund Check and Proof of Mailing. Buyer Comment (2026-06-12): The loan program changed from [redacted] to [redacted]causing the need for a second appraisal. Kindly remove condition |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225710794 | [Redacted] | [Redacted] | 36693028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception due to [Redacted]riation in DTI is due to the UW marking both accounts as paid off ([redacted] and [redacted] Secured IN); however, no supporting documents were found. Therefore, both liabilities have been considered in the DTI calculation. | Reviewer Comment (2026-06-25): Received lender exception appro[Redacted]l to exclude the [redacted] debts paid by other with just a letter of explanation. Condition cleared. Reviewer Comment (2026-06-18): Provided LOE cannot be considered as enough proof to exclude the payment, require payment proof. LOE confirms [redacted]months bank statement showing another person has made this payment, please provide this statement to verify and exclude from the ratio. Buyer Comment (2026-06-17): waterfall Reviewer Comment (2026-06-15): Provide supporting [redacted] months of bank statement showing another person paying these [redacted]debts. Exception remains. Buyer Comment (2026-06-12): waterfall |
06/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225710794 | [Redacted] | [Redacted] | 36693029 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted]riation in DTI is due to the exclusion of[redacted] and [redacted]Secured IN. Per [redacted], both accounts were being paid by a third party. However, supporting documentation to confirm payments were made by a third party was not provided. | Reviewer Comment (2026-06-25): Received lender exception appro[Redacted]l to exclude the [redacted] debts paid by other with just a letter of explanation. Condition cleared. Reviewer Comment (2026-06-18): Provided LOE cannot be considered as enough proof to exclude the payment, require payment proof. LOE confirms [redacted]months bank statement showing another person has made this payment, please provide this statement to verify and exclude from the ratio. Buyer Comment (2026-06-17): waterfall Reviewer Comment (2026-06-15): Provide supporting [redacted] months of bank statement showing another person paying these [redacted]debts. Exception remains. Buyer Comment (2026-06-12): waterfall |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710794 | [Redacted] | [Redacted] | 36693030 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) | Waterfall exception due to [Redacted]riation in DTI is due to the UW marking both accounts as paid off ([redacted] and [redacted] Secured IN); however, no supporting documents were found. Therefore, both liabilities have been considered in the DTI calculation. | Reviewer Comment (2026-06-25): Received lender exception appro[Redacted]l to exclude the [redacted] debts paid by other with just a letter of explanation. Condition cleared. Reviewer Comment (2026-06-18): Provided LOE cannot be considered as enough proof to exclude the payment, require payment proof. LOE confirms [redacted]months bank statement showing another person has made this payment, please provide this statement to verify and exclude from the ratio. Buyer Comment (2026-06-17): waterfall Reviewer Comment (2026-06-15): Provide supporting [redacted] months of bank statement showing another person paying these [redacted]debts. Exception remains. Buyer Comment (2026-06-12): waterfall |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710794 | [Redacted] | [Redacted] | 36823863 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Received lender exception appro[Redacted]l to exclude the [redacted]debts paid by other with just a letter of explanation. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-25): Client elects to waive with compensating factors. |
06/25/2026 | Yes | 2 | B | B | B | B | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225710998 | [Redacted] | [Redacted] | 36684352 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | [redacted]Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | [redacted]Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | Reviewer Comment (2026-06-16): Received signed and dated [redacted] - Acknowledgment of Receipt of Home Mortgage Loan Information disclosure. Exception cleared. Seller Comment (2026-06-15): Please see attached Document. |
06/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Refinance - Rate/Term | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710998 | [Redacted] | [Redacted] | 36684353 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | [redacted]Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Reviewer Comment (2026-06-18): Received [redacted] Seller Comment (2026-06-17): Please see attached [redacted] . |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Refinance - Rate/Term | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710998 | [Redacted] | [Redacted] | 36684359 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification is missing for the property address [redacted] | Reviewer Comment (2026-06-18): Cleared. Received processor cert regarding HOA fee Seller Comment (2026-06-17): Per [redacted] this is not a PUD, no HOA dues. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225711916 | [Redacted] | [Redacted] | 36685939 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated[redacted]). | Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under-disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted]threshold. It appears the Title - title services Fee - Lender & Owners fees were not included in the prepaid finance charges. | Reviewer Comment (2026-07-10): [redacted]received lender information confirming title-title service fee were for title owner & lender policy coverage fees for policies Buyer Comment (2026-07-09): Please see attached copy of Title breakdown of fees. Kindly remove condition Reviewer Comment (2026-06-25): [redacted]again received confirmation that fees were one-time fees, but title did not further confirm the services/purpose of the fee in order to determine if related to the extension of credit or excludable under [redacted] regulations. The purpose/services provided on the fee would be required in order to review if an APR fee or not. Additionally, if the fee includes other services & purposes, these services should be broken out and fee amount for each of those services must be given. If a fee combined other services within, only the non-apr portions could be excluded from that fee total, but must be clearly itemized by title compa[Redacted] and the services provided within the fees, otherwise if the fee includes finance charge fees and amounts cannot be itemized out, then the full fee amount must be included in calculation and cure would be due. Buyer Comment (2026-06-24): Please see attached Title confirming fees to clear condition Reviewer Comment (2026-06-23): [redacted]received rebuttal that the title-title services fee - Lender & Owner were one time fees and not life of loan. That a fee is a one time fee does not determine if it is a finance charge but what services were provided within that fee and if it was related to the extension of credit or if it was excludable under [redacted] regulations. For example, in the case of a title-tax service/cert fee, this information would help determine if a finance charge because a title-tax service fee could be an initial determination of tax status service which is not finance charge, or it could be a life of loan service that lender requires for confirming tax status' each year which would be a fee related to the extension of credit. It is not if it is paid once, for example, such as a title-settlement Fee is only paid once, but it is a finance charge as it is required for the closing of the loan and thus a fee related to the extension of credit. In this case, the [redacted] fees in question have a generic fee name and with the description as "service" would lead to indicate it may be a process or service relating to the extension of credit. [redacted] is unable to determine what services were performed with the generic fee name and will include in finance charge calculation unless lender or title compa[Redacted] can provide an Attestation that breaks out all services (and if more than 1 service, the amounts of each service) in order to determine if the fee is related to the extension of credit or if it is excludable under [redacted] . Please provide either the attestation giving the requested fee services/purpose, or cure would be due to borrower. Buyer Comment (2026-06-22): Previously attached was mentioned that the [redacted]"Title- Services Fees - Owner" and the [redacted]" Title- Service Fees- Lender" was one time upfront fees and not life of loan services. Additionally, I have attached a trialing document of title confirming that the fees mentioned were one time fees, not life of loan services. These are not [redacted] charges and should be excluded from your calculations. Kindly remove condition Reviewer Comment (2026-06-22): [redacted]reviews to [redacted] Standards. TRID Grid [redacted] , Additional Considerations, Row [redacted]...PlacementWhile fee naming conventions is outside of scope, for purposes of fee tolerance testing, creditors should ensure that fee names used are substantially consistent ac[Redacted] all disclosures and describes the actual service or function representing the cost. The regulations require creditors to label the loan costs using terminology that describes each item clearly and conspicuously and describes the service or administrative function that the charge pays for in a manner that is reasonably understood by consumers [redacted] [redacted]loan files where fee names/descriptions change from one disclosure to another, to the extent the fee names used are substantially similar in description and function and can be reasonably matched to prior estimates, [redacted] will consider these the same fee(s) for tolerance testing purposes. Example: LE discloses [redacted]"Settlement/Closing Fee" while CD discloses [redacted] "Title - Escrow Closing Fee"; or LE discloses [redacted]"Mobile Notary Fee" while CD discloses [redacted]"Mobile Signing Fee"However, for distinctly different fees or fee descriptions that represent different costs or services or purpose, [redacted] will NOT consider these the same fee(s) for tolerance testing purposes. Additional documentation or, if name was incorrectly disclosed on the CD, a revised disclosures to reflect actual name for fees/services provided, will be required to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. A verbal explanation or rebuttal comment indicating that certain fees are the same will not be sufficient. Example: LE discloses [redacted]Origination Fee; CD discloses [redacted]discount points; or LE discloses [redacted]"Admin Fee" while CD discloses [redacted]"Doc Prep Fee". Additionally, [redacted] States... [redacted] excludes the following fees only. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the [Redacted]lue or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Fee purpose for fees included under Title - Title Service Fees - Lender and Title - Title Service Fees - Owners to apply to APR calculations, or cure in the amount of [redacted]is required for remediation. Buyer Comment (2026-06-19): The fees in question are listed under title fees and title has confirmed that the fees were one-time upfront fees. They need to be excluded from your APR calculations to remove condition. Kindly remove condition Reviewer Comment (2026-06-18): Fee purpose defines inclusion or exclusion from APR calculations. Please provide documentation of fee name and amounts included in Title - Services Fee. Non-APR fees will be excluded from the calculation. Buyer Comment (2026-06-17): Please see attached copy of title confirming that the [redacted]title Service Fees- Owner and the [redacted]Title Service Fees- Lender were one-time upfront fees and not life of loan services. Kindly remove condition |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225711916 | [Redacted] | [Redacted] | 36685941 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]with no [Redacted]lid change of circumstances, and no cure was provided to the borrower. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Pur[Redacted] | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225711916 | [Redacted] | [Redacted] | 36719505 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower owns [redacted] which is the borrower's departure residence. No documentation was located in the file regarding this property. Evidence is required that either the property was sold or verification of all property expenses will be required. | Reviewer Comment (2026-06-18): Letter of explanation - Living Rent Free associated. Exception cleared. Buyer Comment (2026-06-17): Please see attached copy of mortgage statement for owned property. Kindly remove condition |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225711916 | [Redacted] | [Redacted] | 36719578 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the deed transferring the property | Reviewer Comment (2026-06-18): [Redacted] Warranty Deed received and associated. Exception cleared. Buyer Comment (2026-06-17): Please see attached copy of Security Instrument to clear condition |
06/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715538 | [Redacted] | [Redacted] | 36696383 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Require [redacted] month additional bank statement within [redacted]days prior to note date to cover a [redacted]-day period. | Reviewer Comment (2026-08-12): [redacted]months bank statements provided. Exception cleared. Buyer Comment (2026-08-11): please see attached [redacted]# [redacted][redacted]statement Reviewer Comment (2026-07-02): Required [redacted]months consecutive bank statement. Exception remains. Buyer Comment (2026-07-01): [Redacted] statement [redacted] thu [redacted]doc [redacted]shows a [redacted]ending balance. the next statement is dated [redacted]thru [redacted](doc [redacted]) shows a beginning balance of $ [redacted] . although the [redacted] statement appears to be "missing", the beginning [redacted] balance matches the [redacted]balance, confirming that no transactions were processed after [redacted] . |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225715592 | [Redacted] | [Redacted] | 36696104 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. The file does not contain a [Redacted]lid change of circumstance for this fee, nor was a cure provided at closing. | Reviewer Comment (2026-07-06): [redacted]received system snip with additional information for a [Redacted]lid Changed circumstance. Buyer Comment (2026-07-02): Please see attached COC Printscreen (page [redacted]) that shows a change in program was received [redacted] . Program was on Signature [redacted]which has better pricing, see screen print [redacted]. See Screen print [redacted]showing Program changed to [Redacted] resulting in a higher points to the borrower. Due to a [Redacted]lid COC no cure is required. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225715592 | [Redacted] | [Redacted] | 36696105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. The file does not contain a [Redacted]lid change of circumstance for this fee, nor was a cure provided at closing. | Reviewer Comment (2026-07-06): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-07-02): Please see attached screen print to show this lender credit on Final CD in the amount of [redacted]was for the credit report. |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225715592 | [Redacted] | [Redacted] | 36881224 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225715593 | [Redacted] | [Redacted] | 36720332 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated A[Redacted]ilable for Reserves of [redacted]months is less than the Guideline A[Redacted]ilable for Reserves of [redacted]months. | Reviewer Comment (2026-07-09): Source of funds verified for EMD, reserve requirement met, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715593 | [Redacted] | [Redacted] | 36720355 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Calculated A[Redacted]ilable for Reserves of [redacted]months is less than the Guideline A[Redacted]ilable for Reserves of [redacted]months. | Reviewer Comment (2026-07-09): Source of funds verified for EMD, exception cleared. Buyer Comment (2026-07-08): See [redacted]page [redacted] for [redacted] statement, see page [redacted] Reviewer Comment (2026-07-02): Please provide documentation evidencing the source of funds / bank account statement to verify EMD sourced. Buyer Comment (2026-06-30): EMD |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715593 | [Redacted] | [Redacted] | 36720524 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated A[Redacted]ilable for Reserves of [redacted]months is less than the Guideline A[Redacted]ilable for Reserves of [redacted]months. | Reviewer Comment (2026-07-09): Source of funds verified for EMD, reserve requirement met, exception cleared. |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225715593 | [Redacted] | [Redacted] | 36720525 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Calculated A[Redacted]ilable for Reserves of [redacted]months is less than the Guideline A[Redacted]ilable for Reserves of [redacted]months. | Reviewer Comment (2026-07-09): Source of funds verified for EMD, reserve requirement met, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715593 | [Redacted] | [Redacted] | 36720526 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Calculated A[Redacted]ilable for Reserves of [redacted]months is less than the Guideline A[Redacted]ilable for Reserves of [redacted]months. | Reviewer Comment (2026-07-09): Source of funds verified for EMD, reserve requirement met, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715593 | [Redacted] | [Redacted] | 37193457 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require [redacted] full appraisals due to the loan amount being greater than $[redacted]. Lender approved exception to allow for only [redacted]appraisal with a loan amount over $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The representative FICO score is above [redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Decision System: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-10): Client elects to waive with comp factors. |
08/10/2026 | Yes | 2 | B | B | B | B | B | TN | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225715736 | [Redacted] | [Redacted] | 36696612 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-30): Proof of appraisal delivery provided |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225715736 | [Redacted] | [Redacted] | 36696615 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: WVOE provided for both borrowers from [redacted] is dated [redacted]. Note date is [redacted]. | Reviewer Comment (2026-07-06): Loan is Non-QM. Buyer Comment (2026-07-06): Can we get cleared as water fall for cleared condition |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225715736 | [Redacted] | [Redacted] | 36696618 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted]- No evidence of required counseling disclosure language per [redacted]. | Waterfall due to HPML. | Buyer Comment (2026-06-29): Ok to waive |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225715736 | [Redacted] | [Redacted] | 36696619 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Waterfall due to HPML: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | Buyer Comment (2026-06-29): Ok to waive |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225715736 | [Redacted] | [Redacted] | 36696620 | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | Buyer Comment (2026-06-29): OK to waive |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225715736 | [Redacted] | [Redacted] | 36696654 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt [redacted]days prior to closing. Acknowledgment of receipt was signed at closing on [redacted]. | Reviewer Comment (2026-06-30): Proof of appraisal delivery provided Buyer Comment (2026-06-29): Appraisal Delivery |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716074 | [Redacted] | [Redacted] | 36699743 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Source of Funds/Deposit not provided | File is missing evidence that the buyer or title compa[Redacted] received the gift funds. | Reviewer Comment (2026-06-12): Received wire confirmation verifies that gift transferred to title compa[Redacted]. Exception cleared. Seller Comment (2026-06-11): GIFT WIRE RECEIPT |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225716074 | [Redacted] | [Redacted] | 36699887 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to missing evidence of gift fund receipt. | Reviewer Comment (2026-06-12): Received wire confirmation verifies that gift transferred to title compa[Redacted]. Exception cleared. Seller Comment (2026-06-11): GIFT WIRE RECEIPT |
06/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225716074 | [Redacted] | [Redacted] | 36699888 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Failure due to missing evidence of gift fund receipt. | Reviewer Comment (2026-06-12): Received wire confirmation verifies that gift transferred to title compa[Redacted]. Exception cleared. Seller Comment (2026-06-11): GIFT WIRE RECEIPT |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716815 | [Redacted] | [Redacted] | 36713826 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo warrantable is not provided in the file. | Reviewer Comment (2026-06-18): Received condo warrantable document. Exception cleared. Buyer Comment (2026-06-16): Condo Doc |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225716815 | [Redacted] | [Redacted] | 36713830 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance Policy is missing from the file. | Reviewer Comment (2026-06-18): Received Flood Insurance Policy. Exception cleared. Buyer Comment (2026-06-16): Flood Policy |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225716827 | [Redacted] | [Redacted] | 36713655 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure is missing in the file. | Reviewer Comment (2026-06-24): Final closing Statement received and information updated. Exception Cleared. Buyer Comment (2026-06-23): Please see attached copy of closing statement to clear condition |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225716827 | [Redacted] | [Redacted] | 36713656 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | [redacted] Rent Comparison Schedule is missing in the file. | Reviewer Comment (2026-06-16): Initial package had rent comparable rent schedule. Exception cleared. Buyer Comment (2026-06-15): Please see doc [redacted] page [redacted]showing comparable rent on the [redacted] . Kindly remove condition |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225716827 | [Redacted] | [Redacted] | 36713667 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. [Redacted]riance is more than [redacted]. | The lender DSCR worksheet reflects a DSCR of [redacted]. DD DSCR is [redacted], which is within tolerance. The Bid Tape provided shows the DSCR at [redacted]. | Reviewer Comment (2026-07-06): Bid Tape [Redacted]lue is updated, within tolerance, exception cleared Buyer Comment (2026-07-02): Bid tape has been updated. kindly remove condition Reviewer Comment (2026-06-18): The rental income has been corrected however the bid tape reflects [redacted]. An updated Bid tape for the DSCR is required. Reviewer Comment (2026-06-18): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Diligence DSCR: [redacted] ; Bid Tape DSCR: [redacted] . Buyer Comment (2026-06-16): Please see the attached Rebuttal and Supporting documentation confirming that the DSCR is [redacted] . Thank you! Buyer Comment (2026-06-16): Please see the attached Rebuttal and Supporting documentation confirming that the DSCR is [redacted]. Thank you! Buyer Comment (2026-06-16): Please see the attached Rebuttal and Supporting documentation confirming that the [redacted]is [redacted] . Thank you! |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225716875 | [Redacted] | [Redacted] | 36713670 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-09): E- sign consent document received. Exception Cleared. Buyer Comment (2026-07-08): Please see attached eConsent Agreement |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225716875 | [Redacted] | [Redacted] | 36713681 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-09): Received Note, Insurance document, First payment letter, appraisal document and tax certificate present in the file. Exception Cleared. Buyer Comment (2026-07-08): This was a new pur[Redacted] transaction see HUD1 [redacted]. Please see appraisal in [redacted]to verify HOA dues of [redacted] /mo. The [redacted] payment letter and and payment coupons are in [redacted]however pg 1 shows the borrowers primary address as the property address therefore please see attached, HOI [redacted] / [redacted]= [redacted] . and Tax [redacted] / [redacted]= [redacted] . I have also included a copy of the note to verify P&I Buyer Comment (2026-07-08): This was a new pur[Redacted] transaction see HUD1 [redacted]. Please see appraisal in [redacted] to verify HOA dues of [redacted] /mo. The [redacted] payment letter and and payment coupons are in [redacted]however pg [redacted]shows the borrowers primary address as the property address therefore please see attached, HOI [redacted] / [redacted]= [redacted] . and Tax [redacted] / [redacted]= [redacted] . I have also included a copy of the note to verify P&I Buyer Comment (2026-07-08): This was a new pur[Redacted] transaction see HUD1 [redacted]. Please see appraisal in [redacted] to verify HOA dues of $ [redacted] /mo. The [redacted] payment letter and and payment coupons are in [redacted]however pg 1 shows the borrowers primary address as the property address therefore please see attached, HOI $ [redacted] / [redacted]= [redacted]. and Tax [redacted] / [redacted]= [redacted] . I have also included a copy of the note to verify P&I |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225716950 | [Redacted] | [Redacted] | 36713772 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted][Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-06-16): Received CDA. Exception cleared. Seller Comment (2026-06-15): CDA |
06/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Pur[Redacted] | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225716950 | [Redacted] | [Redacted] | 36713782 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]4D/[redacted] was not provided. | - | Appraisal was made "subject to" and Form [redacted]4D/[redacted] was not provided from the loan file. | Reviewer Comment (2026-06-16): Received form [redacted] . Exception Cleared. Seller Comment (2026-06-15): [redacted] - Appraisal update report |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | D | A | A | A | D | A | N/A | No | |||||||||||||
| 225717494 | [Redacted] | [Redacted] | 36714154 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC is missing in the file. | Reviewer Comment (2026-06-17): OFAC received exception cleared Seller Comment (2026-06-16): Fraud Guard that has OFAC findings in it |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225717494 | [Redacted] | [Redacted] | 36714156 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC is missing in the file. | Reviewer Comment (2026-06-24): OFAC received for individual borrower and business entity, exception cleared. Seller Comment (2026-06-22): [redacted]searches Reviewer Comment (2026-06-17): Please provide OFAC for Business entity [redacted]-Exception remains Seller Comment (2026-06-16): Fraud Guard with OFAC |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225717494 | [Redacted] | [Redacted] | 36714157 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in the file. | Reviewer Comment (2026-07-01): Received complete fraud report. Exception cleared. Seller Comment (2026-06-29): Fraud Report Reviewer Comment (2026-06-24): Provided Loan Safe document is just an alert summary, complete fraud report is required for individual and business entity. Exception remains Seller Comment (2026-06-22): [redacted]searches Reviewer Comment (2026-06-17): Please provide Fraud report for Business entity [redacted]-Exception remains Seller Comment (2026-06-16): Fraud Guard |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225717494 | [Redacted] | [Redacted] | 36714158 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background check is missing in the file. | Reviewer Comment (2026-07-01): Received complete fraud report. Exception cleared. Seller Comment (2026-06-29): Fraud Report Reviewer Comment (2026-06-24): Provided Loan Safe document is just an alert summary, complete fraud report is required for individual and business entity. Exception remains Seller Comment (2026-06-22): [redacted]searches Reviewer Comment (2026-06-17): Please provide Background check for Business entity [redacted] -Exception remains Seller Comment (2026-06-16): Fraud Guard |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225717494 | [Redacted] | [Redacted] | 36714185 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. [Redacted]riance is more than [redacted]. | Unable to verify reason for DSCR discrepancy due to missing Worksheet in file. | Reviewer Comment (2026-06-15): Updated bid tape received. Reviewer Comment (2026-06-15): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Diligence DSCR: [redacted] ; Bid Tape DSCR: [redacted] . Seller Comment (2026-06-15): DSCR [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225717494 | [Redacted] | [Redacted] | 36715705 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR discrepancy of more than [redacted]%. DSCR worksheet is missing in file. | Reviewer Comment (2026-06-15): Updated bid tape received. Seller Comment (2026-06-15): DSCR [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225718122 | [Redacted] | [Redacted] | 36720197 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statements, Tax statement and insurance verification not provided for the properties located at [redacted], [redacted], [redacted], and[redacted]. | Reviewer Comment (2026-07-16): Received Hazard Insurance Policy is verified and associated, exception cleared. Seller Comment (2026-07-15): HOI docs Reviewer Comment (2026-07-07): Required Insurance document for the REO Property address [redacted]. Provided Note shows only P&I. Exception remains. Seller Comment (2026-07-06): Please review previous documents provided - Note for [redacted]is paid by [redacted] only - please clear Reviewer Comment (2026-07-06): Required insurance verification for [redacted] . Exception remains. Seller Comment (2026-07-02): HOI FOR [Redacted] PROPERTY Reviewer Comment (2026-06-17): [redacted]. [redacted] -Hazard Insurance is missing. Exception remains. Seller Comment (2026-06-16): Please review the email from the HOA for [redacted] Reviewer Comment (2026-06-15): Required Missing REO Documents: [redacted]. [redacted] -HOA Document missing [redacted]. [redacted]and [redacted] [redacted] -Hazard Insurance missing. Exception remains. Seller Comment (2026-06-12): REO PITIA Statements |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225719296 | [Redacted] | [Redacted] | 36720195 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance document is missing from the file for the subject property. | Reviewer Comment (2026-06-23): Received hazard insurance policy for the subject property. Exception cleared. Buyer Comment (2026-06-19): HOI |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225719296 | [Redacted] | [Redacted] | 36805172 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard Insurance policy is not reflecting mortgagee clause. | Reviewer Comment (2026-07-06): mortagee clause located on addtional document. Buyer Comment (2026-07-02): See [redacted] [redacted]which shows the mortgagee clause. |
07/06/2026 | No | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225720671 | [Redacted] | [Redacted] | 36714383 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided for property located at [redacted]. | Reviewer Comment (2026-07-10): CD received. Buyer Comment (2026-07-09): This was a recent pur[Redacted] transaction, please see attached CD. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225720671 | [Redacted] | [Redacted] | 36714385 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided for property located at[redacted]. | Reviewer Comment (2026-07-10): CD received. Buyer Comment (2026-07-09): This was a recent pur[Redacted] transaction, please see attached CD. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225720671 | [Redacted] | [Redacted] | 36714386 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided ofr property located at [redacted]. | Reviewer Comment (2026-07-10): CD received. Buyer Comment (2026-07-09): This was a recent pur[Redacted] transaction, please see attached CD. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225720671 | [Redacted] | [Redacted] | 36714407 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI [Redacted]riance; lenders DTI [redacted]%. Review DTI: [redacted]%. DTI [Redacted]riance due to lenders income calculation of $[redacted]per month vs actual amount of $[redacted]per month. Lender calculated asset depletion from bank account ending in [redacted]showing $[redacted]in assets vs actual amount of $[redacted]. | Reviewer Comment (2026-08-13): Bid Tape updated, Exception Cleared. Buyer Comment (2026-08-12): Bid tape has been updated, also see new [redacted] with updated PITI on other properties. Buyer Comment (2026-08-12): [redacted]tape has been updated, also see new [redacted]with updated PITI on other properties. Reviewer Comment (2026-08-04): Updated income as per given worksheet and [redacted], current DTI is [redacted]% , but bid tape is still reflecting DTI of [redacted]%, an updated bid tape for the DTI is required. Buyer Comment (2026-07-31): Please see attached updated Income worksheet showing passive income of [redacted]. In addition, I have provided the appraisal for the property at [redacted]. showing market rents of [redacted]. In addition, I have added rental income to the subject property of [redacted] per the [redacted]. I have updated the [redacted]with these changes. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225720671 | [Redacted] | [Redacted] | 36714456 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI [Redacted]riance; lenders DTI [redacted]%. Review DTI: [redacted]%. DTI [Redacted]riance due to lenders income calculation of $[redacted]per month vs actual amount of $[redacted]per month. Lender calculated asset depletion from bank account ending in [redacted]showing $[redacted]in assets vs actual amount of $[redacted]. | Reviewer Comment (2026-08-04): updated as per revised documents. Buyer Comment (2026-07-31): Please see attached updated Income worksheet showing passive income of [redacted]. In addition, I have provided the appraisal for the property at [redacted]. showing market rents of [redacted]. In addition, I have added rental income to the subject property of [redacted] per the [redacted]. I have updated the [redacted]with these changes. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225721634 | [Redacted] | [Redacted] | 36720156 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-07-08): Received first payment letter for the property #[redacted]The Seasons. Exception Cleared. Buyer Comment (2026-07-06): First Payment Letter Reviewer Comment (2026-06-26): Mortgage statement to verify [redacted] is required. Exception remains. Buyer Comment (2026-06-24): See [redacted] and cancel |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225722870 | [Redacted] | [Redacted] | 36720020 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is not provided for [redacted]. | Reviewer Comment (2026-07-10): Received closing disclosure to verify PITIA. Exception cleared. Buyer Comment (2026-07-08): Please disregard the [redacted]comment - attached to wrong condition. the correct comment for this condition is This was a recent pur[Redacted]. Please see attached CD from the transaction. Buyer Comment (2026-07-08): This was a recent pur[Redacted]. Please see CD from the transaction in [redacted]. Buyer Comment (2026-07-08): [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225722870 | [Redacted] | [Redacted] | 36720022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is not provided for [redacted]. | Reviewer Comment (2026-07-10): Received closing disclosure to verify PITIA. Exception cleared. Buyer Comment (2026-07-08): This was a recent pur[Redacted]. Please see CD from the transaction in [redacted]. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225722870 | [Redacted] | [Redacted] | 36720137 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | D[Redacted] discrepancy with DTI, Lender calculated DTI is [redacted]%, review DTI of [redacted]%. The [Redacted]riance is attributed to income differences, with total income of $[redacted]used in the review compared to $[redacted]used by the lender. | Reviewer Comment (2026-08-13): Bid Tape updated, Exception Cleared. Buyer Comment (2026-08-12): Bid tape has been updated, also see new [redacted] with updated PITI on other properties. Reviewer Comment (2026-08-03): As per provided revised updated [redacted]and [redacted]with corrected DTI, but Bid Tape is reflecting DTI [redacted]% which needs to be updated as DTI [redacted]%. Exception Remains. Buyer Comment (2026-07-31): Please see attached updated Income worksheet showing passive income of [redacted]. In addition, I have provided the appraisal for the property at[redacted] showing market rents of $[redacted]. In addition, I have added rental income to the subject property of $[redacted]per the [redacted]. I have updated the [redacted] with these changes. Buyer Comment (2026-07-31): Please see attached updated Income worksheet showing passive income of [redacted]. In addition, I have provided the appraisal for the property at [redacted] showing market rents of $[redacted]. In addition, I have added rental income to the subject property of $[redacted]per the [redacted]. I have updated the [redacted] with these changes. Buyer Comment (2026-07-31): Please see attached updated Income worksheet showing passive income of [redacted]. In addition, I have provided the appraisal for the property at [redacted]showing market rents of $[redacted]. In addition, I have added rental income to the subject property of [redacted]. I have updated the [redacted] with these changes. Buyer Comment (2026-07-31): Please see attached updated Income worksheet showing passive income of [redacted]. In addition, I have provided the appraisal for the property at [redacted]. showing market rents of $[redacted]. In addition, I have added rental income to the subject property of $[redacted]per the [redacted]. I have updated the [redacted]with these changes. Reviewer Comment (2026-07-10): Re-opened. Will revisit per client request. Buyer Comment (2026-07-08): Please reopen condition. Having issues with [redacted]: Still working on this condition. Buyer Comment (2026-07-08): Condition is [Redacted]gue and does not identify which property and which document. . Borrower has several REO properties However please consider the following to clear this condition: [redacted]Union CD in [redacted] [redacted] CD is in [redacted] [redacted] addressed in previous condition. [redacted] CD is in [redacted] [redacted] addressed in previous condition. The CD's provided verify tax, insurance and HOA if applicable. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225722870 | [Redacted] | [Redacted] | 36726630 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing REO documents. | Reviewer Comment (2026-07-10): Income documentation requirements met and received all document for all REO's. Exception cleared. Buyer Comment (2026-07-08): Condition is [Redacted]gue and does not identify which property and which document. . Borrower has several REO properties However please consider the following to clear this condition: [redacted] CD in [redacted] [redacted] CD is in [redacted] [redacted] addressed in previous condition. [redacted] CD is in [redacted] [redacted] St addressed in previous condition. The CD's provided verify tax, insurance and HOA if applicable. [redacted] Pushed back as condition is not specific and reviewing all REO, sufficient information for all properties is found in Acuity. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225725584 | [Redacted] | [Redacted] | 36714267 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. [Redacted]riance is more than [redacted]. | Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]- Bid tape DSCR is using a PITIA of $[redacted]vs actual at $[redacted]. |
Reviewer Comment (2026-07-14): Received updated rent documentation. Condition cleared. Reviewer Comment (2026-06-30): Received lease agreement for unit [redacted]reflets monthly rent as $[redacted]. Provide a copy of the written notice/rent increase letter that was sent to the tenant of Unit [redacted]. Exception Remains. Buyer Comment (2026-06-26): [redacted] shows rent increase to $[redacted]for Unit [redacted] Buyer Comment (2026-06-25): Please advise. The [redacted]shows [redacted]as the market rent. Worksheet shows current rent of $[redacted]is being used. What is the need for the rent increase letter. Reviewer Comment (2026-06-25): Please provide rent increase letter for the property [redacted]. Exception remains. Buyer Comment (2026-06-24): [redacted]respectfully disagrees with calculation. [redacted]is not taking increased rents into account. To support, attached please find rent adjustment letters for all SP units. Please also find [redacted]section of appraisal report that matches information. Total actual rent is $[redacted], which is the lesser of $[redacted] [redacted] Buyer Comment (2026-06-24): Leases - all units; Rent increase letters - all units; [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225725632 | [Redacted] | [Redacted] | 36727557 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-07): Final Title Policy received and verified. Exception cleared. |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225725632 | [Redacted] | [Redacted] | 36727560 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-07): Title policy amount updated from Final title policy. Exception cleared. Buyer Comment (2026-07-02): Final Title |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225725632 | [Redacted] | [Redacted] | 36734430 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement for [redacted]: | Reviewer Comment (2026-07-14): Account summary received confirming mortgage payment. Buyer Comment (2026-07-13): Statement for[redacted] Reviewer Comment (2026-07-06): Mortgage Statement required for property [redacted], Exception Remains. Buyer Comment (2026-07-02): Statement |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225725724 | [Redacted] | [Redacted] | 36721112 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a [Redacted]lid change of circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-08): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-07): Please see attached copy of PCCD, LOX, CHECK and LAVEL to clear this condition. Package has been shipped and delivered Reviewer Comment (2026-06-25): [redacted]received rebuttal comment but the reason fee under-disclosed and corrected later is not a [Redacted]lid reason for increase in fee unless there is some new information received to lender which is unknown at the time of initial review. Regulation [redacted]requires a creditor to provide the consumer with good faith estimates on the Loan Estimate for certain transactions. The closing cost estimates are [Redacted]ly considered to be in good faith if the amount paid by or imposed on the consumer does not exceed the amount originally disclosed.[redacted]A creditor is permitted to use a revised estimate of a charge instead of the estimate of the charge originally disclosed to reset tolerances when there is a [Redacted]lid changed circumstance permitted by Regulation Z that resulted in the increased costs. [redacted] One such [Redacted]lid changed circumstance is where the consumer requests revisions to the credit terms. [redacted]For a creditor to successfully reset tolerances as permitted by Regulation [redacted], it must, among other things, maintain documentation explaining the reason for revision.[redacted] Buyer Comment (2026-06-23): The Initial credit report fee was under disclosed and [redacted] corrected the fee and notified the borrower within [redacted] days. Kindly remove condition Reviewer Comment (2026-06-22): [redacted]received rebuttal comment that fee increased based on invoice, but an increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid [redacted], Appendix, Additional Considerations, Row [redacted]indicates: To illustrate, see examples of sufficient vs. insufficient COC reasons. Cure is required. Buyer Comment (2026-06-18): Please see attached invoice for credit report. [redacted] disclosed to the borrower accordingly. Kindly remove condition Reviewer Comment (2026-06-17): [redacted]received COC dated [redacted] for increase in credit report fee but the reason was not provided as to why the fee was increased. Please provide information as to what changed circumstance occurred (as defined under [redacted] that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-06-16): Please see attached copy of COC for Credit Report Fee. [redacted]disclosed the change to the borrower. Kindly remove condition |
07/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225725724 | [Redacted] | [Redacted] | 36726817 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-17): Appraisal E-mailed to borrower confirmation received. Exception cleared Buyer Comment (2026-06-16): Per the MAVENT, this needs to be redesignated as [redacted] to clear this condition |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225725724 | [Redacted] | [Redacted] | 36726818 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Appraisal dated [redacted] is missing evidence of receipt. | Reviewer Comment (2026-06-17): Appraisal E-mailed to borrower confirmation received. Exception cleared Buyer Comment (2026-06-16): Please see doc [redacted]page [redacted]showing receipt of appraisal. Kindly clear the condition |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225725724 | [Redacted] | [Redacted] | 36726870 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Appraisal was missing, unable to verify whether property was listed for sale. | Reviewer Comment (2026-06-17): AVM document provided and associated for property [redacted]. Exception cleared Buyer Comment (2026-06-16): Please see attached copy of AVM from departing residence. Kindly clear condition |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225727666 | [Redacted] | [Redacted] | 36721055 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing Hazard Insurance Policy in file. | Reviewer Comment (2026-07-01): Hazard Insurance Policy, cleared Buyer Comment (2026-06-30): Hazard |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225727666 | [Redacted] | [Redacted] | 36721057 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Missing final executed HUD/Closing Disclosure in file. | Reviewer Comment (2026-07-01): Final closing statement, cleared Buyer Comment (2026-06-30): FSS |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225727666 | [Redacted] | [Redacted] | 36721059 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing Mortgage loan payoff statement in file. | Reviewer Comment (2026-07-01): Mortgage loan payoff statement - cleared Buyer Comment (2026-06-30): payoff |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | WA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225727666 | [Redacted] | [Redacted] | 36725391 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The appraisal does not show the property is Tenant Occupied or [Redacted]cant and thus casts doubt on the business purpose of the loan. | Subject loan is a refinance and the appraisal reflects owner occupied. | Reviewer Comment (2026-07-07): Appraisal document provided with tenant occupied and information updated. Exception cleared. Buyer Comment (2026-07-06): Appraisal |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225727666 | [Redacted] | [Redacted] | 36725394 | Credit | Business Purpose | [Redacted] | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-07-02): Not required on business lowns. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225728106 | [Redacted] | [Redacted] | 36721930 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI [Redacted]riance is noted due to differing primary residence expenses reflected on the [redacted] ($[redacted]) and [redacted] ($[redacted]). The [Redacted]riance has been verified against the file. Updated [redacted] and Bid Tape d[Redacted] are required to ensure consistency. | Reviewer Comment (2026-07-08): Corrected [redacted]received & bid tape has been corrected. Exception cleared. Buyer Comment (2026-07-06): Bid tape has been corrected, please clear Reviewer Comment (2026-06-24): Calculated DTI is [redacted]% using qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-06-22): updated 1008 |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225728106 | [Redacted] | [Redacted] | 36721956 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI [Redacted]riance is noted due to differing primary residence expenses reflected on the [redacted] ($[redacted]) and [redacted] ($[redacted]). The [Redacted]riance has been verified against the file. Updated [redacted] and Bid Tape d[Redacted] are required to ensure consistency. | Reviewer Comment (2026-07-08): Corrected [redacted]received & bid tape has been corrected. Exception cleared. Buyer Comment (2026-07-06): Bid tape has been corrected, please clear |
07/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225728106 | [Redacted] | [Redacted] | 36721957 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI [Redacted]riance is noted due to differing primary residence expenses reflected on the [redacted] ($[redacted]) and [redacted] ($[redacted]). The [Redacted]riance has been verified against the file. Updated [redacted] and Bid Tape d[Redacted] are required to ensure consistency. | Reviewer Comment (2026-07-08): Corrected [redacted]received & bid tape has been corrected. Exception cleared. Buyer Comment (2026-07-06): Bid tape has been corrected, please clear |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225730076 | [Redacted] | [Redacted] | 36721467 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance violation due to Title/ anti-predatory lending d[Redacted]base cert of $[redacted] not being disclosed until final CD. No [Redacted]lid change of circumstance or cure for borrower provided. | Reviewer Comment (2026-07-13): [redacted] Received Corrected PCCD and LOE moving fee to section[redacted] Buyer Comment (2026-07-11): Please see attached Cover Letter and PCCD moving Title-Anti Predatory Lending fee to section [redacted]. Borrower shopped for title services and did not use a provider listed on our SSPL. In addition, the [redacted] State Policy fee was also a shopped fee and the borrower did not use a provider on our SSPL therefore we are not held to tolerance. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225730076 | [Redacted] | [Redacted] | 36721481 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI [Redacted]riance: lenders DTI: [redacted]%. Review DTI: [redacted]. [Redacted]riance is due to lenders calculated income of $[redacted]vs review amount of $[redacted]. | Reviewer Comment (2026-07-14): Updated [redacted]received matching calculated DTI of [redacted]%. Buyer Comment (2026-07-11): Please see updated [redacted] with the income corrected. Sent request to update Bid Tape |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225730076 | [Redacted] | [Redacted] | 36721510 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to calculated DTI not within [redacted]% from the lender's DTI. | Reviewer Comment (2026-07-14): Updated [redacted]received matching calculated DTI of [redacted]%. Buyer Comment (2026-07-11): Please see updated [redacted] with the income corrected. Sent request to update Bid Tape |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225730076 | [Redacted] | [Redacted] | 36721511 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to calculated DTI not within [redacted]% from the lender's DTI. | Reviewer Comment (2026-07-14): Updated [redacted]received matching calculated DTI of [redacted]%. Buyer Comment (2026-07-11): Please see updated [redacted] with the income corrected. Sent request to update Bid Tape |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225730878 | [Redacted] | [Redacted] | 36726115 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to DTI discrepancy | Reviewer Comment (2026-07-21): Bid-Tape is updated to reflect the calculated DTI, exception cleared. Buyer Comment (2026-07-17): Bid-Tape is updated, please clear Reviewer Comment (2026-07-16): Awaiting bid tape to reflect the correct DTI to clear this exception, exception remains. Buyer Comment (2026-07-15): Please see attached 1008/1003 with corrected REO for departing residence. Sent request to update Bid-Tape which should be effective [redacted] in [redacted]. |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225730878 | [Redacted] | [Redacted] | 36726116 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Failure due to DTI discrepancy | Reviewer Comment (2026-07-21): Bid-Tape is updated to reflect the calculated DTI, exception cleared. Buyer Comment (2026-07-17): Bid-Tape is updated, please clear Reviewer Comment (2026-07-16): Awaiting bid tape to reflect the correct DTI to clear this exception, exception remains. Buyer Comment (2026-07-15): Please see attached 1008/1003 with corrected REO for departing residence. Sent request to update Bid-Tape which should be effective [redacted] in [redacted]. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225730878 | [Redacted] | [Redacted] | 36726119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on LE but disclosed as $[redacted]on Final closing disclosure. No cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-16): [redacted] received Post CD and LOX. Buyer Comment (2026-07-15): Please see attached correspondence from title that survey was required to issue Title Insurance along with Cover Letter and PCCD moving survey to section [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225730878 | [Redacted] | [Redacted] | 36726120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-15): Please review final CD that already shows a lender credit of $[redacted]to cure this violation. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225730878 | [Redacted] | [Redacted] | 36733077 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Discrepancy is due to it appears the PITI payment on the departure residence was not included in the total DTI | Reviewer Comment (2026-07-21): Bid-Tape is updated to reflect the calculated DTI, exception cleared. Buyer Comment (2026-07-17): Bid-Tape is updated, please clear Reviewer Comment (2026-07-16): Awaiting bid tape to reflect the correct DTI to clear this exception, exception remains. Buyer Comment (2026-07-15): Please see attached 1008/1003 with corrected REO for departing residence. Sent request to update Bid-Tape which should be effective [redacted] in [redacted]. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225730878 | [Redacted] | [Redacted] | 36998456 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225732351 | [Redacted] | [Redacted] | 36727780 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] | Final [redacted] is missing | Reviewer Comment (2026-06-18): Final 1003 provided. Reviewer Comment (2026-06-17): Require final [redacted]application signed on [redacted]. A[Redacted]ilable Final [redacted]application [redacted]is signed on [redacted]. Exception Remains. Buyer Comment (2026-06-15): Can you review [redacted]... this is the final [redacted]. The correspondent does a hybrid signing which includes the final [redacted]. Please rescind condition and use this document to complete your review. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225732581 | [Redacted] | [Redacted] | 36724183 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is the P&I amount. The REO property income is included at [redacted]% of Lease Amount of $[redacted]. | Reviewer Comment (2026-07-09): Bid tape has been updated. Exception cleared. Buyer Comment (2026-07-08): Please see corrected bid tape Reviewer Comment (2026-07-02): [redacted] is still pending update. To clear the exception, we require the bid tape to reflect DTI as [redacted] Exception remains. Buyer Comment (2026-07-01): Corrected 1008/1003. Requested bid tape correction |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225732581 | [Redacted] | [Redacted] | 36724746 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is the P&I amount. The REO property is not considered on the final [redacted] document. | Reviewer Comment (2026-07-09): Bid tape has been updated. Exception cleared. Reviewer Comment (2026-07-02): Bid tape is still pending update. To clear the exception, we require the bid tape to reflect DTI as [redacted]. Exception remains. Buyer Comment (2026-07-01): Requested bid tape correction |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225732581 | [Redacted] | [Redacted] | 36724747 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is the P&I amount. The REO property is not considered on the final [redacted] document. | Reviewer Comment (2026-07-09): Bid tape has been updated. Exception cleared. Reviewer Comment (2026-07-02): Bid tape is still pending update. To clear the exception, we require the bid tape to reflect DTI as[redacted]. Exception remains. Buyer Comment (2026-07-01): Requested bid tape correction |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225732581 | [Redacted] | [Redacted] | 36724749 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower within [redacted] business days of application. | Reviewer Comment (2026-07-02): [redacted]received e-consent dated [redacted] Buyer Comment (2026-07-01): eConsent |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225732581 | [Redacted] | [Redacted] | 36724751 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance fees disclosed as $[redacted]on the initial Loan Estimate but disclosed as $[redacted]on the Final Closing Disclosure. A [Redacted]lid change of circumstance was not provided for the fee increase(s). | Reviewer Comment (2026-07-16): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-15): PCCD with cure. Sent out today |
07/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225732581 | [Redacted] | [Redacted] | 36724752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points fees disclosed as $[redacted]on the initial Loan Estimate but disclosed as $[redacted]on the Final Closing Disclosure. A [Redacted]lid change of circumstance was not provided for the fee increase. | Reviewer Comment (2026-07-02): [redacted]received e-consent dated [redacted] Buyer Comment (2026-07-01): RLE with COC |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225733533 | [Redacted] | [Redacted] | 36727259 | Credit | System | [Redacted] | Appraisal Reconciliation | [Redacted]luation address does not match Note address. | - | [Redacted]luation address [redacted] [redacted] does not match with Note address [redacted]. | Reviewer Comment (2026-07-08): Received address affidavit. Condition cleared. Buyer Comment (2026-07-01): Address Affidavit |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225733533 | [Redacted] | [Redacted] | 36730524 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Reviewer Comment (2026-07-08): Received insurance. Condition cleared. Buyer Comment (2026-07-07): Hazard |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225733540 | [Redacted] | [Redacted] | 36727272 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deeds / Warranty / Grant / Quit-Claim for the subject transaction is missing. | Reviewer Comment (2026-07-24): Received Deeds / Warranty / Grant / Quit-Claim in file. Exception Cleared. Buyer Comment (2026-07-22): Please see attached transfer deed |
07/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225733540 | [Redacted] | [Redacted] | 36727276 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification Fee was not disclosed on Loan Estimate. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-23): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-22): Please see attached Cure Check, Cover Letter, PCCD and proof [redacted]is in transit. |
07/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225733542 | [Redacted] | [Redacted] | 36726776 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge is non-compliant under TRID as the disclosed amount is understated by $[redacted] , exceeding the $[redacted] allowable tolerance. Re-disclosure or post-consummation cure required. | Reviewer Comment (2026-07-15): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-14): Check again Reviewer Comment (2026-07-10): [redacted]received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. The [redacted] tracking does not reflect the carrier has yet picked up the package and only reflects as label created. Please provide proof when carrier picks up. Buyer Comment (2026-07-09): Cure Docs Reviewer Comment (2026-06-25): Finance charge is under disclosed in the amount of $[redacted]. Reviewer Comment (2026-06-25): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of[redacted] which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted]is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated[redacted] Buyer Comment (2026-06-24): Please review and remove these [redacted] fees from APR calc |
07/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225733566 | [Redacted] | [Redacted] | 36727476 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Buyer Comment (2026-07-02): try this one Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains Buyer Comment (2026-06-23): voe |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733566 | [Redacted] | [Redacted] | 36727480 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains Buyer Comment (2026-06-23): wvoe submitted |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733566 | [Redacted] | [Redacted] | 36733844 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains Buyer Comment (2026-06-23): wvoe submitted |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733566 | [Redacted] | [Redacted] | 36733845 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-15): Sufficient Cure Provided At Closing |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225733566 | [Redacted] | [Redacted] | 36734023 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains Buyer Comment (2026-06-23): wvoe submitted |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KS | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225733566 | [Redacted] | [Redacted] | 36734025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains Buyer Comment (2026-06-23): wvoe submitted |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733566 | [Redacted] | [Redacted] | 36734026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733566 | [Redacted] | [Redacted] | 36734066 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains Buyer Comment (2026-06-23): wvoe submitted |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733566 | [Redacted] | [Redacted] | 36734107 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The signature/date portion of the WVOE is not legible. Date cannot be ascertained to determine if it meets guideline requirements or if an additional VVOE was needed. | Reviewer Comment (2026-07-06): Legible copy of Verification of employment document provided within [redacted]business days of note date. Exception cleared Reviewer Comment (2026-06-23): The WVOE provided is not within [redacted]business days of the note date, and the document signature Part IV is also not legible. Exception remains Buyer Comment (2026-06-23): wvoe submitted |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225733568 | [Redacted] | [Redacted] | 36732520 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-15): Sufficient Cure Provided At Closing |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225733568 | [Redacted] | [Redacted] | 36732522 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-15): Sufficient Cure Provided At Closing |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225733568 | [Redacted] | [Redacted] | 36732740 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | A [redacted] -month rental payment history is missing on current residence. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The representative FICO score is above [redacted]. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-07-10): Client elects to waive with compensating factors. Reviewer Comment (2026-07-10): Received post closing lender exception for acceptane of lease agreement and [redacted] months payments on bank in lieu of [redacted]months VOR. Buyer Comment (2026-07-08): Exception |
07/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225733572 | [Redacted] | [Redacted] | 36727444 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Reviewer Comment (2026-06-18): Discount point fee disclosure and mavent received. Seller Comment (2026-06-16): Mavent |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225733572 | [Redacted] | [Redacted] | 36727445 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] | Reviewer Comment (2026-06-18): Discount point fee disclosure and mavent received. Seller Comment (2026-06-16): MAVENT REPORT Seller Comment (2026-06-16): They are not taking the bona fide discount point into account on their calculation. See Mavent and Discount Point Fee Disclosure attached. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733620 | [Redacted] | [Redacted] | 36727334 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]4D/[redacted] was not provided. | - | Appraisal was made subject to, and [redacted]4D/[redacted]was not provided. | Reviewer Comment (2026-07-02): Received [redacted]-Certificate of Completion. Exception Cleared. Seller Comment (2026-06-30): final inspection |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | A | A | C | A | N/A | No | |||||||||||||
| 225734034 | [Redacted] | [Redacted] | 36727366 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-08): Hazard Policy received, exception cleared. Buyer Comment (2026-07-07): Hazard |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225734262 | [Redacted] | [Redacted] | 36727365 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The file is missing verification of employment within [redacted] business days of the Note. VOE provided is from [redacted] | Reviewer Comment (2026-07-06): Received Borrower VVOE document within the [redacted]days business days from the Closing date. Exception Cleared. Buyer Comment (2026-07-01): VOE |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734262 | [Redacted] | [Redacted] | 36727367 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan fails ATR testing due to the missing verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-07-06): Received Borrower VVOE document within the [redacted]days business days from the Closing date. Exception Cleared. |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225734262 | [Redacted] | [Redacted] | 36727368 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the file missing verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-07-06): Received Borrower VVOE document within the [redacted]days business days from the Closing date. Exception Cleared. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734866 | [Redacted] | [Redacted] | 36727619 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | D[Redacted] discrepancy with DTI. Lender DTI [redacted] %, Review DTI [redacted] %. The reason for this discrepancy is that the initial [redacted] indicated the borrower owned the primary residence, and $[redacted] mortgage payment from the primary residence was considered in the DTI. As per the property detail report, final [redacted], and letter from the non-borrowing spouse, the non-borrowing spouse owns the primary residence, and the borrower lives rent-free. | Reviewer Comment (2026-07-06): As per requirement BID Tape d[Redacted] has been updated. Exception Cleared. Buyer Comment (2026-07-02): Bid tape has been updated. Kindly remove conditions Reviewer Comment (2026-06-22): Received updated [redacted]with correct DTI, but Bid Tape is still reflecting DTI [redacted]% % which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-19): Please see attached copy of revised [redacted]. Kindly remove remaining conditions Reviewer Comment (2026-06-19): As per the [redacted]form, the first mortgage [redacted] was included in the DTI calculation, so the DTI is [redacted]%. Please provide an updated [redacted]form without including the $[redacted]P&I. Exception Remains. Buyer Comment (2026-06-17): Please see doc [redacted]page [redacted]showing borrower has no primary housing expense. Kindly remove condition |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225734866 | [Redacted] | [Redacted] | 36727626 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved an exception for a non-warrantable condo due to pre-sales and not being substantially complete. Exception conditions: [redacted]% LTV maximum. [redacted]% DTI maximum. Subject to [redacted]. Subject to meeting all other [Redacted] guideline requirements. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-06-16): Client elects to waive with compensating factors. |
06/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NH | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225734866 | [Redacted] | [Redacted] | 36727630 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-07-06): As per requirement BID Tape d[Redacted] has been updated. Exception Cleared. Buyer Comment (2026-07-02): Bid tape has been updated. Kindly remove conditions Reviewer Comment (2026-06-19): As per the [redacted]form, the first mortgage [redacted] was included in the DTI calculation, so the DTI is [redacted]%. Please provide an updated [redacted]form without including the $[redacted]P&I. Exception Remains. Buyer Comment (2026-06-17): [redacted] |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NH | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225734866 | [Redacted] | [Redacted] | 36727631 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-07-06): As per requirement BID Tape d[Redacted] has been updated. Exception Cleared. Buyer Comment (2026-07-02): Bid tape has been updated. Kindly remove conditions Reviewer Comment (2026-06-19): As per the [redacted]form, the first mortgage [redacted] was included in the DTI calculation, so the DTI is [redacted]%. Please provide an updated [redacted]form without including the $[redacted]P&I. Exception Remains. Buyer Comment (2026-06-17): [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734866 | [Redacted] | [Redacted] | 36741288 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a [Redacted]lid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-06-18): [redacted]Received [Redacted]lid COC dated [redacted] Buyer Comment (2026-06-17): Please see attached invoice for CDA. Kindly remove condition |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225735001 | [Redacted] | [Redacted] | 36730504 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer taxes were disclosed as $[redacted]on the initial Loan Estimate but were disclosed as $[redacted]on the Final Closing Disclosure. A [Redacted]lid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-26): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-25): please see attached lox, pccd, check |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225735522 | [Redacted] | [Redacted] | 36734122 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Bank statements not provided for Account #[redacted] for the months of [redacted]. | Reviewer Comment (2026-06-24): Account newly opened in [redacted] with previous balance reflecting $[redacted]. Exception cleared. Buyer Comment (2026-06-22): If you review the [redacted] statement you will see that the begining balance is $[redacted]. The account was opened at this time. There are no statements for [redacted]. Please clear condition. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225735522 | [Redacted] | [Redacted] | 36734153 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI [Redacted]riance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. [Redacted]riance is due to lender not considering $[redacted]monthly income from [Redacted]. | Reviewer Comment (2026-07-17): Bid Tape DTI has been updated. Exception cleared. Reviewer Comment (2026-06-24): Received corrected [redacted] matching with review DTI however Bid tape d[Redacted] still reflecting [redacted]% DTI. Exception remains. Buyer Comment (2026-06-22): Please see updated [redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225735522 | [Redacted] | [Redacted] | 36734188 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Reviewer Comment (2026-06-24): Account newly opened in [redacted] with previous balance reflecting $[redacted]. Exception cleared. Buyer Comment (2026-06-22): [redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225735522 | [Redacted] | [Redacted] | 36734198 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted] for the months of [redacted]. | Reviewer Comment (2026-07-17): Account newly opened in [redacted] with previous balance reflecting [redacted] Exception cleared. Buyer Comment (2026-07-15): You cleared the other condition, please clear this one. The account is newly opened. Reviewer Comment (2026-06-24): Exception remains ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted]for the months of [redacted]. please provide Buyer Comment (2026-06-22): [redacted] |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225735522 | [Redacted] | [Redacted] | 36734199 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted] for the months of [redacted]. | Reviewer Comment (2026-07-17): Account newly opened in [redacted] with previous balance reflecting [redacted] Exception cleared. Buyer Comment (2026-07-15): You cleared the other condition, please clear this one. The account is newly opened. Reviewer Comment (2026-06-24): Exception remains ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted]for the months of[redacted]. please provide Buyer Comment (2026-06-22): [redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225735522 | [Redacted] | [Redacted] | 36734200 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Comparable rent schedule not provided. | Reviewer Comment (2026-06-24): Income qualified using [Redacted]cation rental income statement. Exception cleared. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225735522 | [Redacted] | [Redacted] | 36734201 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted] for the months of [redacted]. | Reviewer Comment (2026-07-17): Account newly opened in [redacted] with previous balance reflecting [redacted] Exception cleared. Buyer Comment (2026-07-15): You cleared the other condition, please clear this one. The account is newly opened. Reviewer Comment (2026-06-24): Exception remains ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted]for the months of [redacted]. please provide Buyer Comment (2026-06-22): [redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225735522 | [Redacted] | [Redacted] | 36734203 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted] for the months of [redacted]. | Reviewer Comment (2026-07-17): Account newly opened in [redacted] with previous balance reflecting [redacted] Exception cleared. |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225735522 | [Redacted] | [Redacted] | 36736039 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Bank statements not provided for Account #[redacted]for the months of [redacted]. | Reviewer Comment (2026-06-24): Account newly opened in [redacted] with previous balance reflecting $[redacted]. Exception cleared. Buyer Comment (2026-06-22): [redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225735522 | [Redacted] | [Redacted] | 36736047 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Bank statements not provided for Account #[redacted] for the months of [redacted]. | Reviewer Comment (2026-06-24): Account newly opened in [redacted] with previous balance reflecting $[redacted]. Exception cleared. Buyer Comment (2026-06-22): [redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225735522 | [Redacted] | [Redacted] | 36741431 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Missing Insurance Verification | Reviewer Comment (2026-07-31): Property is [Redacted]cant land Insurance not required Reviewer Comment (2026-07-31): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: Address: [redacted], Address: see[redacted]EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Insurance VerificationInsurance Verification Insurance Verification Reviewer Comment (2026-07-31): Received Hazard Insurance Policy for the[redacted]Provide Hazard Insurance Policy for the property [redacted]Exception remains. Buyer Comment (2026-07-29): [redacted] is [Redacted]cant land so there is no home insurance on that property. Please see attached for all other insurance policies. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225737899 | [Redacted] | [Redacted] | 36728095 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is missing. | Reviewer Comment (2026-07-14): Credit Report received. Exception cleared. Buyer Comment (2026-07-13): Please see attached credit report and documents for utilizing Departing Residence guidelines Appraisal [redacted], LOE on intent to list [redacted]. In addition, please see attached Exception allowing for reduced reserves and DTI up to [redacted]%. Buyer Comment (2026-07-13): Please see attached credit report. |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225737899 | [Redacted] | [Redacted] | 36728100 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing credit report and excessive ratios. | Reviewer Comment (2026-07-14): Departing residence excluded, DTI within threshold. Exception cleared. Buyer Comment (2026-07-13): Please see attached credit report. |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225737899 | [Redacted] | [Redacted] | 36728101 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank [redacted]): Unable to verify debt obligations using reasonably reliable third-party records. | Waterfall due to missing credit report. | Reviewer Comment (2026-07-14): Credit Report received. Exception cleared. Buyer Comment (2026-07-13): Please see attached credit report. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225737899 | [Redacted] | [Redacted] | 36728102 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to missing credit report and excessive ratios. | Reviewer Comment (2026-07-14): Departing residence excluded, DTI within threshold. Exception cleared. |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225737899 | [Redacted] | [Redacted] | 36728125 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing credit report and excessive ratios. | Reviewer Comment (2026-07-14): Departing residence excluded, DTI within threshold. Exception cleared. Buyer Comment (2026-07-13): : Please see attached credit report and documents for utilizing Departing Residence guidelines Appraisal[redacted]. In addition, please see attached Exception allowing for reduced reserves and DTI up to [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225737899 | [Redacted] | [Redacted] | 36734091 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Waterfall due to missing credit report and excessive ratios. | Reviewer Comment (2026-07-14): Credit Report received. Exception cleared. Buyer Comment (2026-07-13): Please see attached credit report and documents for utilizing Departing Residence guidelines Appraisal[redacted] on intent to list [redacted]. In addition, please see attached Exception allowing for reduced reserves and DTI up to [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225737899 | [Redacted] | [Redacted] | 36736244 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Seller guidelines require a copy of the pur[Redacted] agreement for the sale of a pending residence showing no contingencies and to be dated within [redacted] days. Pur[Redacted] contract for the pending sale of [redacted] is missing. | Reviewer Comment (2026-07-14): Departing residence excluded, DTI within threshold. Exception cleared. Buyer Comment (2026-07-13): [redacted]is utilizing the Departing Residence guidelines for this transaction which allows for omitting the debt for the departing residence. Appraisal[redacted]LOE on intent to list [redacted]. In addition, please see attached Exception allowing for reduced reserves. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225737899 | [Redacted] | [Redacted] | 36736246 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Seller guidelines require a copy of the pur[Redacted] agreement for the sale of a pending residence showing no contingencies and to be dated within [redacted] days. Pur[Redacted] contract for the pending sale of [redacted] is missing. | Reviewer Comment (2026-07-14): Departing residence excluded, DTI within threshold. Exception cleared. Buyer Comment (2026-07-13): [redacted] is utilizing the Departing Residence guidelines for this transaction which allows for omitting the debt for the departing residence. Appraisal [redacted], LOE on intent to list [redacted]. In addition, please see attached Exception allowing for reduced reserves and DTI up to [redacted]% |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225737899 | [Redacted] | [Redacted] | 36736250 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Seller guidelines require a copy of the pur[Redacted] agreement for the sale of a pending residence showing no contingencies and to be dated within [redacted] days. Pur[Redacted] contract for the pending sale of [redacted] is missing. | Reviewer Comment (2026-07-14): Departing residence excluded, DTI within threshold. Exception cleared. Buyer Comment (2026-07-13): [redacted] is utilizing the Departing Residence guidelines for this transaction which allows for omitting the debt for the departing residence. Appraisal [redacted], LOE on intent to list [redacted]. In addition, please see attached Exception allowing for reduced reserves and DTI up to [redacted]% |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225739467 | [Redacted] | [Redacted] | 36736500 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Multiple [redacted] instances observed in the bank statement; underwriter discretion required. no lender Exception provided with comp factors | Reviewer Comment (2026-07-07): Per guidelines for [redacted]s, The determination of what makes up an excessive amount will be based on the underwriter's discretion. The loan was approved. Buyer Comment (2026-07-06): Can we get some clarification on this condition as the file was underwritten and approved |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225739467 | [Redacted] | [Redacted] | 36739421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-07-06): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on[redacted] Buyer Comment (2026-07-02): eConsent |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225739473 | [Redacted] | [Redacted] | 36736713 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | The Appraisal Transfer Letter fails to meet requirements as it does not clearly identify both the transferring and originating lenders and lacks execution by an authorized representative of the transferring lender. | Reviewer Comment (2026-07-24): letter provided Buyer Comment (2026-07-22): appraisal was transferred to [redacted]. please see the following supporting documents: doc [redacted] transfer letter; doc [redacted]showing [redacted] provided appraisal to borrower; doc [redacted]page [redacted]appraiser certificate of compliance; docs [redacted]reports showing [redacted] as the lender (UCDP reports would not reflect [redacted] as lender if appraisal was not transferred from prior lender) |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225739525 | [Redacted] | [Redacted] | 36736749 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. | Disclosed Finance Charges are $[redacted]. Due Diligence Finance Charges are $[redacted]. There is a [Redacted]riance of -$[redacted]. | Reviewer Comment (2026-07-13): [redacted]received lender attestation confirming title-title services fee is search/examp/underwriting fee for title policy Buyer Comment (2026-07-10): Please note, the fee you have listed as Title -Settlement / Closing / Escorw Fee for $[redacted]is a combination of Title Services to Lender for $[redacted]+ Title-Settlement Fee for $[redacted]The Portion that is for the settlement fee of $[redacted]is a financed fee however the portion that is $[redacted] is not a financed charge. Please see attached Settlement statement and Correspondence from title compa[Redacted] confirming the services fee are for Title search/Exam and underwriting which are not APR fees. This should bring us within tolerance and no cure required. Buyer Comment (2026-07-10): Please note, the fee you have listed as Title -Settlement / Closing / Escorw Fee for $[redacted]is a combination of Title Services to Lender for $[redacted]+ Title-Settlement Fee for $[redacted]The Portion that is for the settlement fee of $[redacted]is a financed fee however the portion that is $[redacted]is not a financed charge. Please see attached Settlement statement and Correspondence from title compa[Redacted] confirming the services fee are for Title search/Exam and underwriting which are not APR fees. This should bring us within tolerance and no cure required. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225739525 | [Redacted] | [Redacted] | 36736750 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at [redacted] business days prior to closing. | Initial Closing Disclosure issued [redacted] is missing evidence of receipt and the presumed receipt date would not have been at least [redacted] business days prior to closing. | Reviewer Comment (2026-07-13): [redacted] received CD dated [redacted] Buyer Comment (2026-07-10): Please see attached CD with time stamps as to when document was submitted to borrower and c/borrower signed [redacted]verifying receipt. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225739525 | [Redacted] | [Redacted] | 36736751 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225740845 | [Redacted] | [Redacted] | 36736931 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | As per [redacted], the underwriter considered $[redacted] as primary expenses; however, as per documents, the total primary expenses are $[redacted]. | Reviewer Comment (2026-08-05): DTI matched with Bid Tape debt ratio. Exception cleared. Buyer Comment (2026-08-04): Please clear condition. Bid Tape has been updated Reviewer Comment (2026-07-22): Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-20): Please clear condition. Bid Tape has been updated Reviewer Comment (2026-07-14): Received updated 1008 with correct DTI and 1003, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-13): Please see attached Corrected [redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225740845 | [Redacted] | [Redacted] | 36736943 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-05): DTI matched with Bid Tape debt ratio. Exception cleared. Buyer Comment (2026-08-04): Please clear condition. Bid Tape has been updated Reviewer Comment (2026-07-22): Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-20): Please clear condition. Bid Tape has been updated Reviewer Comment (2026-07-14): Received updated 1008 with correct DTI and 1003, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-13): Please see attached Corrected [redacted] |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225740845 | [Redacted] | [Redacted] | 36736945 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | As per [redacted], the underwriter considered $[redacted] as primary expenses; however, as per documents, the total primary expenses are $[redacted]. | Reviewer Comment (2026-08-05): DTI matched with Bid Tape debt ratio. Exception cleared. Buyer Comment (2026-08-04): Please clear condition. Bid Tape has been updated Reviewer Comment (2026-07-22): Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-20): Please clear condition. Bid Tape has been updated Reviewer Comment (2026-07-14): Received updated 1008 with correct DTI and 1003, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-13): Please see attached Corrected [redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225740845 | [Redacted] | [Redacted] | 36742438 | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines | Lender exception in file. Non warrantable condo due to recreational lease. Compensating factors Ltv [redacted]%, DTI is less than [redacted]% and score at [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Client elects to waive with compensating factors. Buyer Comment (2026-07-13): Please waive/clear/cancel. Exception in file or address if something additional is needed. |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225741029 | [Redacted] | [Redacted] | 36774975 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Ground Lease not provided | File is missing the complete proprietary lease. The document provided appears to be incomplete. | Reviewer Comment (2026-06-26): Received documentation. Condition cleared. Buyer Comment (2026-06-24): Please see attached full copy of proprietary lease to clear condition |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225741029 | [Redacted] | [Redacted] | 36774977 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225741029 | [Redacted] | [Redacted] | 36797395 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a [Redacted]lid change of circumstance listing the fee that is changing, the reason for the change or the amount. | Reviewer Comment (2026-06-22): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
06/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225744527 | [Redacted] | [Redacted] | 36741634 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in the file. | Reviewer Comment (2026-07-06): Document provided Buyer Comment (2026-07-02): Hazard |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225744527 | [Redacted] | [Redacted] | 36741705 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to borrower within [redacted] business days of application. | Reviewer Comment (2026-07-06): [redacted]received e-consent dated [redacted] Buyer Comment (2026-07-02): eConsent |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225744527 | [Redacted] | [Redacted] | 36741706 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | The file is missing a [Redacted]lid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-06): [redacted]received CD and COC Buyer Comment (2026-07-02): ICD with COC |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225744527 | [Redacted] | [Redacted] | 36741708 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The file is missing a [Redacted]lid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-06): [redacted]received CD and COC Buyer Comment (2026-07-02): RCDs with COC |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225744527 | [Redacted] | [Redacted] | 36746022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates that there is a lender exception appro[Redacted]l for no borrower contribution to [redacted]% LTV however the exception appro[Redacted]l document is not located in the file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-06): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-02): Exception |
07/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225744618 | [Redacted] | [Redacted] | 36741582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]with no [Redacted]lid change of circumstances and no cure was provided to borrower | Reviewer Comment (2026-07-10): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-09): PCCD with cure, sent out today |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225744618 | [Redacted] | [Redacted] | 36741586 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no [Redacted]lid change of circumstances and no cure was provided to borrower | Reviewer Comment (2026-07-10): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-09): See PCCD with cure |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225744618 | [Redacted] | [Redacted] | 36741601 | Compliance | Compliance | State Compliance | State Defect | [redacted] | [redacted] Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-07-06): Certificate of Compliance received. Buyer Comment (2026-07-02): Deed |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225745232 | [Redacted] | [Redacted] | 36758343 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The unanimous consent to borrower reflects an amount that is lower than the loan amount for the subject transaction. | Reviewer Comment (2026-07-06): Corrected corporate resolution received, exception cleared. Buyer Comment (2026-07-02): please see unanimous consent with correct loan amount |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225745237 | [Redacted] | [Redacted] | 36741697 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. | Primary residence pur[Redacted] and Calculated Finance Charge exceeds disclosed Finance Charge by [redacted] than $[redacted]. | Reviewer Comment (2026-07-14): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-07-13): Cure Docs |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225745240 | [Redacted] | [Redacted] | 36746397 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. | Reviewer Comment (2026-07-10): Received Final Title Policy with policy amount $[redacted]. Exception cleared. Buyer Comment (2026-07-09): Title |
07/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225745240 | [Redacted] | [Redacted] | 36746400 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | The file was missing a copy of the secondary [Redacted]luation required for securitization purposes. | Reviewer Comment (2026-07-07): Received UCDP summary document with the risk score of [redacted], hence secondary [Redacted]luation is not required. Exception Cleared. Buyer Comment (2026-07-06): Not required as SSR score is below [redacted] |
07/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225745240 | [Redacted] | [Redacted] | 36746402 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in the file. | Reviewer Comment (2026-07-10): Received Final Title Policy with policy amount $[redacted]. Exception cleared. |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225745240 | [Redacted] | [Redacted] | 36746404 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-07): Received hazard insurance policy document. Exception Cleared. Buyer Comment (2026-07-06): Hazard |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225745240 | [Redacted] | [Redacted] | 36746412 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-07-08): [redacted]received earliest e-consent. Buyer Comment (2026-07-06): eConsent |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225745400 | [Redacted] | [Redacted] | 36746798 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Missing Note - Subject Lien in the Loan file. | Reviewer Comment (2026-07-07): Note document provided. Exception cleared. Buyer Comment (2026-07-06): please see attached executed Note. Reviewer Comment (2026-06-30): Provided note reflect property address as [redacted] and Security Instrument with all other documents reflect as[redacted]Provide note with correct address. Exception remains. Buyer Comment (2026-06-26): note |
07/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225745400 | [Redacted] | [Redacted] | 36749608 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment item #[redacted]reflects a mortgage in the amount of $[redacted]. HUD [redacted] reflects a mortgage payoff of $[redacted]. Please provide evidence the liens have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-06-30): Cleared. Received correspondence from title that the $[redacted]mortgage was paid in full Buyer Comment (2026-06-26): please see attached email chain with title compa[Redacted]. $[redacted]lien on title is a loan for [redacted] different units sold. email confirms that lien was paid off |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225745401 | [Redacted] | [Redacted] | 36746209 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Closing statement is not signed | Reviewer Comment (2026-07-10): Received signed closing statement as required. Exception cleared. Buyer Comment (2026-07-08): FSS |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225745403 | [Redacted] | [Redacted] | 36742724 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per final [redacted] reference, lender gave exceptions on file for credit score, tradelines, LTV/CLTV. File is missing lender exception form, appro[Redacted]l, and compensating factors for these items. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-24): Client elects to waive with compensating factors. Reviewer Comment (2026-06-24): Lender exception appro[Redacted]l provided for [redacted]credit score. Buyer Comment (2026-06-22): Please see attached copy of Lender Exception to clear condition |
06/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225745403 | [Redacted] | [Redacted] | 36746508 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Homeowners insurance policy has an effective date of [redacted] and started after the loan funded on [redacted]. | Reviewer Comment (2026-06-23): Hazard Insurance document received and information updated. Exception Cleared. Buyer Comment (2026-06-23): Please see attached updated EOI policy to clear condition |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225745403 | [Redacted] | [Redacted] | 36746571 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Co-Borrower's Personal Tax Returns [redacted] are missing for year [redacted] . Audited P&L statement was not provided for [redacted]. | Reviewer Comment (2026-07-01): Loan is NonQM. Buyer Comment (2026-06-29): [redacted] Reviewer Comment (2026-06-26): Unable to clear. [redacted] extension is located in the file. A prior tax transcripts, signed and dated1040, an audited year to date P&L, or [redacted]is missing and required to support as a reasonable reliable third party record to meet ATR requirement. Buyer Comment (2026-06-24): Please see doc [redacted]page [redacted]showing tax extension for [redacted]. Kindly remove remaining conditions Reviewer Comment (2026-06-24): Unable to clear ATR exception due to [redacted]tax return is not provided. Buyer Comment (2026-06-22): [redacted] |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MS | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225745403 | [Redacted] | [Redacted] | 36746572 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - Schedule [redacted] | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current [redacted] status using reasonably reliable third-party records. | Co-Borrower's Personal Tax Returns [redacted] are missing for year [redacted] . Audited P&L statement was not provided for [redacted]. | Reviewer Comment (2026-06-24): Cleared. Lender exception appro[Redacted]l provided for missing tax returns. NIL contracts provided. Buyer Comment (2026-06-22): Please see doc [redacted]pg [redacted]showing tax extension for [redacted]. Kindly remove conditions |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225745403 | [Redacted] | [Redacted] | 36746573 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Schedule [redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify [redacted] income using reasonably reliable third-party records. | Co-Borrower's Personal Tax Returns [redacted] are missing for year [redacted] . Audited P&L statement was not provided for [redacted]. | Buyer Comment (2026-07-06): ** WAIVED ** Reviewer Comment (2026-07-01): The exception has been downgraded to [redacted]. Reviewer Comment (2026-07-01): Regraded to [redacted] based on post close lender exception. Buyer Comment (2026-06-29): This needs to be dropped to an EV2 to waive the conditions Reviewer Comment (2026-06-26): Unable to clear. [redacted]extension is located in the file. A prior tax transcripts, signed and dated1040, an audited year to date P&L, or [redacted]is missing and required to support as a reasonable reliable third party record to meet ATR requirement. Buyer Comment (2026-06-24): Please see doc [redacted]page [redacted]showing tax extension for [redacted]. Kindly remove remaining conditions Reviewer Comment (2026-06-24): Unable to clear ATR exception due to [redacted]tax return is not provided. Buyer Comment (2026-06-22): [redacted] |
07/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225745403 | [Redacted] | [Redacted] | 36746574 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Co-Borrower's Personal Tax Returns [redacted] are missing for year [redacted] . Audited P&L statement was not provided for [redacted]. | Reviewer Comment (2026-07-01): [redacted]returns have not been filed. |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225745403 | [Redacted] | [Redacted] | 36746576 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Qualifying FICO [redacted] and guidelines require [redacted]. The [redacted] indicated that there is a Lender exception however the exception appro[Redacted]l document was not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-24): Client elects to waive with compensating factors. Reviewer Comment (2026-06-24): Lender exception appro[Redacted]l provided for [redacted]credit score. Buyer Comment (2026-06-22): [redacted] |
06/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| 225745403 | [Redacted] | [Redacted] | 36812297 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Lender exception appro[Redacted]l provided for missing tax returns-not yet filed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-24): Client elects to waive with compensating factors. |
06/24/2026 | Yes | 2 | B | B | B | B | B | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225745403 | [Redacted] | [Redacted] | 36812299 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided to permit a [redacted]% LTV with [redacted] credit | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-24): Client elects to waive with compensating factors. |
06/24/2026 | Yes | 2 | B | B | B | B | B | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 225745403 | [Redacted] | [Redacted] | 36812300 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for borrower doesn't meet tradeline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-24): Client elects to waive with compensating factors. |
06/24/2026 | Yes | 2 | B | B | B | B | B | MS | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 225746046 | [Redacted] | [Redacted] | 36746640 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing verification of Taxes, Insurance, & HOA | Reviewer Comment (2026-07-07): Received revised 1003 with updated REO expenses. Exception cleared. Buyer Comment (2026-07-06): please see attached revised [redacted] with updated reo [redacted][Redacted] pitia amounts. updated to $[redacted]to match tax cert doc [redacted] Reviewer Comment (2026-07-01): Hazard insurance and hoa verification required to verify total expenses $[redacted]. Exception remains. Buyer Comment (2026-06-29): please see uw worksheet utilizing residual income calculations, docs [redacted](page [redacted]of worksheet) and [redacted](page [redacted]of worksheet) Reviewer Comment (2026-06-26): Property History report shows monthly taxes as $[redacted], however monthly expenses as per final application is $[redacted]. Hazard Insurance policy and HOA are required. Exception remains. Buyer Comment (2026-06-25): please see property detail report doc [redacted]for tax amount. no hoi amount required as property is owned free and clear |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225746072 | [Redacted] | [Redacted] | 36746714 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification is missing in file for REO property. | Reviewer Comment (2026-07-14): [redacted] present with the HOA amount for the property. Exception Cleared. Buyer Comment (2026-07-13): Please refer to tax returns [redacted] along with the attached Schedules found in [redacted] showing the annual HOA for all properties. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225746072 | [Redacted] | [Redacted] | 36746715 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification is missing in file for REO property. | Reviewer Comment (2026-07-14): [redacted] present with the HOA amount for the property. Exception Cleared. Buyer Comment (2026-07-13): Please refer to tax returns [redacted] along with the attached Schedules found in [redacted] showing the annual HOA for all properties. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225746072 | [Redacted] | [Redacted] | 36746716 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification is missing in file for REO property. | Reviewer Comment (2026-07-14): [redacted] present with the HOA amount for the property. Exception Cleared. Buyer Comment (2026-07-13): Please refer to tax returns [redacted] along with the attached Schedules found in [redacted] showing the annual HOA for all properties. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225746072 | [Redacted] | [Redacted] | 36746718 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification is missing in file for REO property. | Reviewer Comment (2026-07-14): [redacted] present with the HOA amount for the property. Exception Cleared. Buyer Comment (2026-07-13): Please refer to tax returns [redacted] along with the attached Schedules found in [redacted] showing the annual HOA for all properties. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225746072 | [Redacted] | [Redacted] | 36746720 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification is missing in file for REO property. | Reviewer Comment (2026-07-14): [redacted] present with the HOA amount for the property. Exception Cleared. Buyer Comment (2026-07-13): Please refer to tax returns [redacted] along with the attached Schedules found in [redacted] showing the annual HOA for all properties. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225746399 | [Redacted] | [Redacted] | 36746639 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Source of Funds/Deposit not provided | Source of funds for EMD and gift amount is missing. | Reviewer Comment (2026-07-14): Received copy of bank statement as the source of funds. Condition cleared. Buyer Comment (2026-07-10): The bank statement is simply to show that sufficient funds are in the account. It's not required to see the funds actually withdrawn from the account as long as the average balance from the past [redacted] months is sufficient to cover the amount. Reviewer Comment (2026-07-10): Unable to verify withdrawal of EMD from provided bank statement. Required source of funds for EMD. Exception remains. Buyer Comment (2026-07-08): EMD is part of the gift Reviewer Comment (2026-07-06): Require source of funds/ bank statement document to verify EMD amount $[redacted]as provided deposit receipt already a[Redacted]ilable in file and consider. Exception Remains. Buyer Comment (2026-07-01): EMD confirmation Reviewer Comment (2026-06-26): Gift funds are verified, provide source of fund document for EMD-Exception remains Buyer Comment (2026-06-25): [redacted]is the incoming wire receipt Buyer Comment (2026-06-25): [redacted]is the gift letter with the dollar amount of up to $[redacted], and the closing disclosure states the final gift amount is $[redacted]in section [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225746399 | [Redacted] | [Redacted] | 36746759 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or [redacted] than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. | Reviewer Comment (2026-07-06): As per a[Redacted]ilable proof/receipt in file which confirms copy of appraisal deliver to borrower from [redacted]business days prior to closing date, information re-[Redacted]lidated. Exception Cleared. Reviewer Comment (2026-06-26): Please provide initial appraisal for dated [redacted]-Exception remains Buyer Comment (2026-06-25): initial appraisal submitted, corrections are clerical only |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225746399 | [Redacted] | [Redacted] | 36746760 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. | Reviewer Comment (2026-07-06): As per a[Redacted]ilable proof/receipt in file which confirms copy of appraisal deliver to borrower from [redacted]business days prior to closing date, information re-[Redacted]lidated. Exception Cleared. Buyer Comment (2026-07-01): [redacted]and [redacted]are both of the appraisals. There are only [redacted] appraisal reports. Please specify what you are looking for if the [redacted] appraisals and the proof they were delivered are insufficient. Reviewer Comment (2026-06-26): Please provide initial appraisal for dated [redacted]-Exception remains Buyer Comment (2026-06-25): initial appraisal submitted, corrections are clerical only |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225746399 | [Redacted] | [Redacted] | 36746761 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Please provide all preliminary appraisals. Once received, loan will be re-ran to determine compliance. | Reviewer Comment (2026-07-14): Received evidence of source of deposit. Condition cleared. Buyer Comment (2026-07-10): The bank statement is simply to show that sufficient funds are in the account. It's not required to see the funds actually withdrawn from the account as long as the average balance from the past [redacted] months is sufficient to cover the amount. Reviewer Comment (2026-07-09): Require source of funds/ bank statement document to verify EMD amount $[redacted]. Exception Remains. Buyer Comment (2026-07-08): This is related to the cleared appraisal condition, please clear. Reviewer Comment (2026-06-26): Please provide initial appraisal for dated [redacted]-Exception remains Buyer Comment (2026-06-25): Initial appraisal. Corrections were clerical only |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | UT | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225746399 | [Redacted] | [Redacted] | 36746762 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Please provide all preliminary appraisals. Once received, loan will be re-ran to determine compliance. | Reviewer Comment (2026-07-14): Received evidence of source of deposit. Condition cleared. Buyer Comment (2026-07-10): The bank statement is simply to show that sufficient funds are in the account. It's not required to see the funds actually withdrawn from the account as long as the average balance from the past [redacted] months is sufficient to cover the amount. Reviewer Comment (2026-07-09): Require source of funds/ bank statement document to verify EMD amount $[redacted]. Exception Remains. Buyer Comment (2026-07-08): This is related to the cleared appraisal condition, please clear. Reviewer Comment (2026-06-26): Gift funds are verified, provide source of fund document for EMD-Exception remains Buyer Comment (2026-06-25): initial appraisal submitted, corrections are clerical only |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225746399 | [Redacted] | [Redacted] | 36879523 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised [Redacted]luation to applicant [redacted] business days prior to consummation. Revised [Redacted]luation reflects clerical change only, no impact to compliant HPML determination. | Buyer Comment (2026-07-10): Waived Reviewer Comment (2026-07-09): Appraisal Receipt not provided within [redacted]business days prior to consummation. Exception Remains Buyer Comment (2026-07-08): This is related to the cleared appraisal condition, please clear. |
07/10/2026 | No | 2 | B | B | B | B | B | UT | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225749237 | [Redacted] | [Redacted] | 36747190 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted], based on the Commitment in file. | Reviewer Comment (2026-07-08): Corrected document received to verify title policy amount. Details verified and updated. Exception cleared. Buyer Comment (2026-07-06): Please see attached. |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Pur[Redacted] | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225749237 | [Redacted] | [Redacted] | 36747201 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] are missing in file. | Reviewer Comment (2026-07-08): Document provided Buyer Comment (2026-07-06): Please see attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NJ | Investment | Pur[Redacted] | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225749237 | [Redacted] | [Redacted] | 36747202 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] or equi[Redacted]lent listing federal tax ID number for the [redacted] is missing in file. | Reviewer Comment (2026-07-08): Document provided [redacted] Buyer Comment (2026-07-06): Please clear. Reviewer Comment (2026-06-26): EIN document is provided for the [redacted]. Exception Cleared. Buyer Comment (2026-06-25): Pleae see attached for EIN |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NJ | Investment | Pur[Redacted] | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225749375 | [Redacted] | [Redacted] | 36753460 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-07-13): [redacted]received email confirmation. Fee is buyer selected. Buyer Comment (2026-07-09): title email Reviewer Comment (2026-07-09): [redacted]received rebuttal, however we also require attestation confirming whether lender or title compa[Redacted] required the pest inspection fee to re-e[Redacted]luate the exception. Buyer Comment (2026-07-07): Our system does not have selection with Prefix title before Document Storage Archive fee Reviewer Comment (2026-07-02): [redacted]received PCCD and LOX, however we also require attestation confirming whether lender or title compa[Redacted] required the pest inspection. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Also, if document storage archive fee is a title fee, corrected PCCD and LOE updating title prefix is required. Buyer Comment (2026-06-30): Pest inspection fee is not a [redacted]tolerance fee. See PCCD/LOX |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225751130 | [Redacted] | [Redacted] | 36754365 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date is show as [redacted] and note date is [redacted]. | Reviewer Comment (2026-08-14): LOE stating that no claim was filed from[redacted]cleared Buyer Comment (2026-08-14): Please see attached copy of revised no loss letter signed by both borrowers. Kindly remove condition Reviewer Comment (2026-07-06): Provided no loss letter from period [redacted] and Note date is[redacted] which is after the closing. Exception remains Buyer Comment (2026-07-02): Please see attached copy of NO LOSS letter to clear condition |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225751130 | [Redacted] | [Redacted] | 36754369 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report not provided. | Reviewer Comment (2026-06-22): Fraud Report, cleared Buyer Comment (2026-06-19): Please see attached copy of Fraud Report to clear condition |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225751130 | [Redacted] | [Redacted] | 36754370 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Prepayment addendum not provided. | Reviewer Comment (2026-06-22): Note Addendum - Prepayment, cleared Buyer Comment (2026-06-19): Please see attached copy of Note Addendum to clear condition |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 225751130 | [Redacted] | [Redacted] | 36754371 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD not provided in file. | Reviewer Comment (2026-08-21): Final HUD/CD, cleared Buyer Comment (2026-08-21): Please see attached copy of fully executed HUD to remove remaining condition Reviewer Comment (2026-06-22): Settlement statement provided is a preliminary. Please provide the final signed version Buyer Comment (2026-06-19): Please see attached copy of final HUD to clear condition |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225751130 | [Redacted] | [Redacted] | 36754372 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Rider- [redacted] family not provided. | Reviewer Comment (2026-06-22): Rider - 1-4 Family, cleared Buyer Comment (2026-06-19): Please see attached copy of instrument rider to clear condition |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225751130 | [Redacted] | [Redacted] | 36754375 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background check not provided. | Reviewer Comment (2026-06-22): Associated to the Fraud Report, cleared Buyer Comment (2026-06-19): [redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225751142 | [Redacted] | [Redacted] | 36747764 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to Closing date. | Reviewer Comment (2026-07-08): [redacted]received LOA to remove document(s) [redacted]estimated to be provided on [redacted] from testing as not provided to the borrower. Buyer Comment (2026-07-07): LOE Reviewer Comment (2026-07-07): CD document [redacted]with a cash to close amount of [redacted], is incomplete on page [redacted]. If the document was not provided to the borrower, please provide an attestation to that affect and the CD can be removed from testing. Buyer Comment (2026-07-06): DOcument |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225752973 | [Redacted] | [Redacted] | 36754004 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in the file. | Reviewer Comment (2026-06-25): Received Business Purpose Certificate. Exception Cleared. Buyer Comment (2026-06-23): BPL |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225754889 | [Redacted] | [Redacted] | 36754980 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225754889 | [Redacted] | [Redacted] | 36754992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing document to verify [redacted] Loan of $[redacted] due to a shortage in cash to close and reserves. | Reviewer Comment (2026-07-15): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-14): Please see attached [redacted] loan CD |
07/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225754889 | [Redacted] | [Redacted] | 36754993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing document to verify [redacted] Loan of $[redacted] due to a shortage in cash to close and reserves. | Reviewer Comment (2026-07-15): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-14): Please see attached [redacted] loan CD |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754889 | [Redacted] | [Redacted] | 36755000 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Calculated a[Redacted]ilable for reserves of $[redacted] is [redacted] than guideline required for reserves of $[redacted] due to missing document to verify [redacted] Loan of $[redacted]. | Reviewer Comment (2026-07-15): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-14): Please see attached [redacted] loan CD |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225754889 | [Redacted] | [Redacted] | 36755001 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Missing document to verify [redacted] Loan of $[redacted] due to a shortage in cash to close and reserves. | Reviewer Comment (2026-07-15): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-14): Please see attached [redacted] loan CD |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225754889 | [Redacted] | [Redacted] | 36755012 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Title policy amount of $[redacted] in Commitment title policy is [redacted] than the note amount of $[redacted]. | Reviewer Comment (2026-07-17): Received title commitment document with the insured [Redacted]lue to meet the loan amount. Exception Cleared. Buyer Comment (2026-07-15): Please see attached title correspondence with evidence that policy amount has been updated to reflect [redacted] |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225754889 | [Redacted] | [Redacted] | 36755018 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Qualifying assets for closing of $[redacted] are [redacted] than cash from borrower of $[redacted]. Shortage of $[redacted] due to missing document to verify [redacted] Loan of $[redacted]. | Reviewer Comment (2026-07-15): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-14): Please see attached [redacted] loan CD |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225754889 | [Redacted] | [Redacted] | 36755027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing document to verify [redacted] Loan of $[redacted] due to a shortage in cash to close and reserves. | Reviewer Comment (2026-07-15): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-14): Please see attached [redacted] loan CD |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754893 | [Redacted] | [Redacted] | 36754151 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Coborrower's Employer Letter is missing the document date. | Reviewer Comment (2026-08-18): Dated Explanation letter received. Exception cleared. Buyer Comment (2026-08-14): Please see attached copy of Dated LOE to clear conditions Reviewer Comment (2026-06-22): Require document date on employer letter of DOC ID [redacted]for co-borrower to clear the exception as provided document already a[Redacted]ilable in file and considered. Exception Remains. Buyer Comment (2026-06-19): Please see attached copies of VVOE's to clear conditions |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754893 | [Redacted] | [Redacted] | 36754174 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Coborrower's Employer Letter is missing the document date. | Reviewer Comment (2026-08-18): Dated Explanation letter received. Exception cleared. Buyer Comment (2026-08-17): [redacted] |
08/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225754893 | [Redacted] | [Redacted] | 36754175 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Coborrower's Employer Letter is missing the document date. | Reviewer Comment (2026-08-18): Dated Explanation letter received. Exception cleared. Buyer Comment (2026-08-17): [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754893 | [Redacted] | [Redacted] | 36754181 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] . $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-18): [redacted] received rebuttal suffice. Buyer Comment (2026-08-17): The fee was not lender required to obtain the title policy. Kindly remove condition Reviewer Comment (2026-06-25): [redacted]received email that shows one time fee, from the document we are unable to verify if the survey fee is lender required or not. Please provide attestation confirming the same so that fee can be tested under correct tolerance. Buyer Comment (2026-06-23): Please see attached copy of title confirming fees. Kindly remove condition Reviewer Comment (2026-06-22): [redacted]is unable to determine from the file whether the lender or title compa[Redacted] requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-19): The fee in question was a one-time upfront fee and was borrower chosen. It does not belong in the [redacted]% threshold. Kindly remove condition. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225757946 | [Redacted] | [Redacted] | 36754588 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent Resident Alien Card missing for [redacted]. | Reviewer Comment (2026-07-17): Permanent resident card, cleared Buyer Comment (2026-07-17): permanent resident alien card front and back Reviewer Comment (2026-07-06): Credit Application reflects Borrower "[redacted]" as Permanent Resident Alien. Required Permanent Resident Card / Passport / VISA. Exception Remains. Buyer Comment (2026-07-01): Title |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225765830 | [Redacted] | [Redacted] | 36767875 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-09): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-08): Please see attached copy of PCCD, LOX, LABEL and CHECK to clear this condition. Package has been sent and shipped. Kindly remove condition |
07/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225765830 | [Redacted] | [Redacted] | 36767894 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide HOA verification for the property [redacted], [redacted]. | Reviewer Comment (2026-07-21): Received updated 1003 is verified and associated, exception cleared. Buyer Comment (2026-07-20): Please see attached copy of revised 1003 / 1008 to clear the remaining conditions Reviewer Comment (2026-07-09): Property [redacted] $[redacted]+ Total expense $[redacted]([redacted]Insurance + Taxes $[redacted]+ $[redacted]Other )= $[redacted]. Please provide explanation document for Other Amount of [redacted]. Exception Remains. Buyer Comment (2026-07-08): Please see doc [redacted]pg [redacted]showing HOI for [redacted][Redacted] annual premium at [redacted]Additionally, please see doc [redacted]pg [redacted]showing property tax in the amount of $[redacted]($[redacted]) mo. Kindly remove condition Reviewer Comment (2026-06-24): Please provide explanation document regarding $[redacted]As the verified tax amount is $[redacted]and insurance is $[redacted]monthly, Exception remains Buyer Comment (2026-06-23): Please see attached copy of no HOA for REO property. Kindly remove condition |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225765830 | [Redacted] | [Redacted] | 36767897 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide HOA verification for the property [redacted]. | Reviewer Comment (2026-07-21): Received updated 1003 is verified the expenses, exception cleared. Buyer Comment (2026-07-20): Please see attached copy of revised 1003 / 1008 to clear the remaining conditions Reviewer Comment (2026-07-09): Property [redacted]- P&I $[redacted]+ Total expense $[redacted]([redacted] Insurance + Taxes $[redacted]+ $[redacted]Other )= $[redacted]. Please provide explanation document for Other Amount of $[redacted]. Exception Remains. Buyer Comment (2026-07-08): Please see doc [redacted]page [redacted]showing HOI premium at $[redacted]([redacted]mo). Additionally, please see doc [redacted] page [redacted] showing property taxes in the amount of $[redacted]([redacted]mo). Kindly remove condition Reviewer Comment (2026-06-24): Please provide explanation document regarding $[redacted]As verified tax amount is $[redacted]and insurance is $[redacted]monthly, Exception remains. Buyer Comment (2026-06-23): [redacted] Buyer Comment (2026-06-23): Please see attached copy of no HOA for REO property. Kindly remove condition |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225765830 | [Redacted] | [Redacted] | 36767898 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI and bid tape DTI do not meet [redacted] requirements. | Reviewer Comment (2026-07-09): Re[Redacted]lidated REO Property Expenses and DTI is Matching. Exception Cleared. Buyer Comment (2026-07-08): Bid tape came in at [redacted]which matches [redacted]and [redacted]. Kindly remove conditions. Reviewer Comment (2026-06-24): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-23): Please clarify as to where the DTI discrepancy is taking place |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225765830 | [Redacted] | [Redacted] | 36767902 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI and bid tape DTI do not meet [redacted] requirements. | Reviewer Comment (2026-07-09): Re[Redacted]lidated REO Property Expenses and DTI is Matching. Exception Cleared. Buyer Comment (2026-07-08): [redacted] |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225765830 | [Redacted] | [Redacted] | 36767903 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI and bid tape DTI do not meet [redacted] requirements. | Reviewer Comment (2026-07-09): Re[Redacted]lidated REO Property Expenses and DTI is Matching. Exception Cleared. Buyer Comment (2026-07-08): [redacted] |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225765830 | [Redacted] | [Redacted] | 37029989 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The calculated DTI differs from the bid tape DTI. As per the updated [redacted], REO [redacted] reflects lender-calculated income of ($[redacted]), whereas calculation shows rental income of $[redacted]. Provide an updated [redacted]. | Reviewer Comment (2026-07-23): Ree[Redacted]luated PITIA. Buyer Comment (2026-07-21): Please ree[Redacted]luate. This is not income on this rental, but a loss on this REO property. DTI is true at [redacted]. Kindly remove conditions |
07/23/2026 | No | 1 | A | A | A | A | A | TX | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225767200 | [Redacted] | [Redacted] | 36760662 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation missing in file. | Reviewer Comment (2026-07-06): Received Article of Organization for the Entity. Exception cleared. Buyer Comment (2026-07-01): Articles |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225767203 | [Redacted] | [Redacted] | 36760498 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225767203 | [Redacted] | [Redacted] | 36760505 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-07-01): Lender exception approved for 2 months reserves. Condition cleared. Buyer Comment (2026-06-30): exception appro[Redacted]l |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225767203 | [Redacted] | [Redacted] | 36760513 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to asset requirements not met causing loan designation mismatch. | Reviewer Comment (2026-07-01): Lender exception approved for 2 months reserves. Condition cleared. Buyer Comment (2026-06-30): exception appro[Redacted]l submitted |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225767203 | [Redacted] | [Redacted] | 36760514 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to asset requirements not met. | Reviewer Comment (2026-07-01): Lender exception approved for 2 months reserves. Condition cleared. Buyer Comment (2026-06-30): exception appro[Redacted]l submitted |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225767203 | [Redacted] | [Redacted] | 36862121 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for reserves of [redacted] vs the required [redacted]s. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-01): Client elects to waive with compensating factors. |
07/01/2026 | Yes | 2 | B | B | B | B | B | MA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225767751 | [Redacted] | [Redacted] | 36759341 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Reviewer Comment (2026-07-24): Received correction document R&E rider was checked in error. Exception Cleared. Buyer Comment (2026-07-21): Please see attached. Reviewer Comment (2026-06-30): Security Instrument has Renewal and Extension rider checked. Exception remains Buyer Comment (2026-06-26): this is a home equity loan, they do not have R&E Riders Reviewer Comment (2026-06-24): Require "Renewal and Extension" rider to clear the exception. Exception Remains. Buyer Comment (2026-06-22): Could you please advise what Rider you are missing. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225767838 | [Redacted] | [Redacted] | 36767921 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The new motor vehicle loan has not been included on the [redacted], resulting in the DTI [Redacted]riance. A payment of $[redacted]has been added to the liabilities. | Reviewer Comment (2026-07-08): [redacted] account #[redacted]is paid in full prior to closing and excluded from liability. Investor Qualifying Total Debt Ratio: [redacted]% is matching with Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Exception Cleared Buyer Comment (2026-07-07): please cancel, the pay off confirmation letter is on [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225767838 | [Redacted] | [Redacted] | 36767943 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy causing loan designation mismatch. | Reviewer Comment (2026-07-08): [redacted] account #[redacted]is paid in full prior to closing and excluded from liability. Investor Qualifying Total Debt Ratio: [redacted]% is matching with Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Exception Cleared Buyer Comment (2026-07-07): please cancel, the pay off confirmation letter is on [redacted] |
07/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225767838 | [Redacted] | [Redacted] | 36767945 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225767838 | [Redacted] | [Redacted] | 36767946 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the new motor vehicle loan has not been included on the [redacted], resulting in the DTI [Redacted]riance. A payment of $[redacted] has been added to the liabilities. | Reviewer Comment (2026-07-08): [redacted] account #[redacted]is paid in full prior to closing and excluded from liability. Investor Qualifying Total Debt Ratio: [redacted]% is matching with Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Exception Cleared Buyer Comment (2026-07-07): please cancel, the pay off confirmation letter is on [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770327 | [Redacted] | [Redacted] | 36767855 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate document was not found in file. | Reviewer Comment (2026-06-25): Business Purpose Certificate received, exception cleared. Buyer Comment (2026-06-23): BPL |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225770327 | [Redacted] | [Redacted] | 36767856 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization document was not found in file. | Reviewer Comment (2026-06-25): Business Purpose Certificate received, exception cleared. Buyer Comment (2026-06-23): Doc |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225770327 | [Redacted] | [Redacted] | 36770200 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the first payment letter. | Reviewer Comment (2026-06-25): First Payment Letter received, exception cleared Buyer Comment (2026-06-23): FPL |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225770366 | [Redacted] | [Redacted] | 36767994 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-07-13): [redacted] received rebuttal and CD Buyer Comment (2026-07-11): CD dated[redacted] is [redacted]days prior to closing thereby meeting the Closing Disclosure Timing.[redacted] of closing. In addition, the CD dated [redacted] is also has less than .[redacted] APR change thereby providing supporting documentation to meet the requirements. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225770366 | [Redacted] | [Redacted] | 36768040 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to the Credit Report Fee. No [Redacted]lid COC provided. Specific credit of $[redacted]has been provided as cure at closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225770388 | [Redacted] | [Redacted] | 36767871 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Appraisal transfer letter is missing from the file. | Reviewer Comment (2026-07-08): Note states Lender name as [redacted] and Appraisal shows Lender as [redacted] Financial, Both are same. Exception cleared Buyer Comment (2026-07-07): please clear, [redacted] is [redacted]'s [redacted] branch the name on the appraisal is acceptable. |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | A | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225770388 | [Redacted] | [Redacted] | 36767881 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Appraisal transfer letter is missing from the file. | Reviewer Comment (2026-07-08): Note states Lender name as[redacted]and Appraisal shows Lender as [redacted], Both are same. Exception cleared Buyer Comment (2026-07-07): please clear, [redacted] is [redacted]'s [redacted] branch the name on the appraisal is acceptable. |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | A | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225770388 | [Redacted] | [Redacted] | 36767885 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Provided e-sign consent was on [redacted], which is after the initial loan estimate e-sign date of [redacted]. Required [Redacted]lid e-sign consent document. | Reviewer Comment (2026-07-08): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-07-07): econsent dated [redacted] upld |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | A | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225770501 | [Redacted] | [Redacted] | 36768143 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-07-06): Received corporate resolution document. Exception cleared. Buyer Comment (2026-07-02): Unanimous Consent & Resolution to Borrower |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225770527 | [Redacted] | [Redacted] | 36768013 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted], and prior employment history was not documented as required. | - | Borrower is with current employer for less than [redacted], due to which [redacted] years employment history is not verified. | Reviewer Comment (2026-07-09): As per the guideline previous employment verification is not required. Exception Cleared. Buyer Comment (2026-07-08): Current and previous employer VOEs |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770527 | [Redacted] | [Redacted] | 36768014 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] days of the Note. | - | Verification of employment is not within [redacted] days of the Note. | Reviewer Comment (2026-07-09): Received third party verification of employment for the current employment. Exception Cleared. Buyer Comment (2026-07-08): See VOEs |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770527 | [Redacted] | [Redacted] | 36768016 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to inability to verify [redacted] years employment history for both borrowers, and verification of employment is not within [redacted] days. | Reviewer Comment (2026-07-09): As per the guideline previous employment verification is not required. Exception Cleared. |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225770527 | [Redacted] | [Redacted] | 36768017 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to inability to verify [redacted] years employment history for both borrowers, and verification of employment is not within [redacted] days. | Reviewer Comment (2026-07-09): As per the guideline previous employment verification is not required. Exception Cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770843 | [Redacted] | [Redacted] | 36768062 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to : Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] cash flow analysis for each business account used. | Reviewer Comment (2026-07-09): Cash flow analysis received & associated. Exception cleared. Buyer Comment (2026-07-08): See Cashflow sheet |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225770843 | [Redacted] | [Redacted] | 36768063 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Failure due to : Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] cash flow analysis for each business account used. | Reviewer Comment (2026-07-09): Cash flow analysis received & associated. Exception cleared. Buyer Comment (2026-07-08): See Cashflow sheet |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225770843 | [Redacted] | [Redacted] | 36768067 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-22): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
06/22/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225770843 | [Redacted] | [Redacted] | 36768082 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds missing in file for provided business account asset. | Reviewer Comment (2026-07-09): Cash flow analysis received & associated. Exception cleared. Buyer Comment (2026-07-08): See Cashflow sheet |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225770843 | [Redacted] | [Redacted] | 36777413 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Taxpayer Identification Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a [Redacted]lid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-07-28): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-27): please see attached lox, pccd & check Reviewer Comment (2026-07-09): [redacted]received rebuttal, however we require [Redacted]lid COC document for addition of fee on LE dated [redacted]. Please provide [Redacted]lid COC with sufficient information why fee added on [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-08): With respect to the SSN Verification Fee, we do not agree with changing its current APR treatment. [redacted] policy requires this fee only in instances where there is a mismatch or inconsistency in borrower information, meaning it is condition-specific rather than universally required for all loans. Because it is not a standard condition of credit in every transaction and is instead triggered by a particular underwriting or verification circumstance, we believe it is appropriately handled as a NON-APR fee |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225770843 | [Redacted] | [Redacted] | 36777426 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] cash flow analysis for each business account used. | Reviewer Comment (2026-07-09): Cash flow analysis received & associated. Exception cleared. Buyer Comment (2026-07-08): Cashflow |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225770843 | [Redacted] | [Redacted] | 36777429 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] cash flow analysis for each business account used. | Reviewer Comment (2026-07-09): Cash flow analysis received & associated. Exception cleared. Buyer Comment (2026-07-08): See Cashflow sheet |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225771366 | [Redacted] | [Redacted] | 36763084 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Buyer Comment (2026-07-14): ok to waive Reviewer Comment (2026-07-13): Exception is an [redacted]citing. Lender may choose to waive. Buyer Comment (2026-07-13): please re-designate to qm Buyer Comment (2026-07-09): voe upld to trl docs |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225771366 | [Redacted] | [Redacted] | 36763086 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was not disclosed on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a [Redacted]lid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-07-13): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-10): pccd docs upld |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225771366 | [Redacted] | [Redacted] | 36764132 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] days of the Note. | - | Provided verification of employment was not provided within [redacted] days of closing. | Reviewer Comment (2026-07-13): Lender restated loan designation and documentation does meet lender guides. Condition cleared. Buyer Comment (2026-07-13): please re-designate to qm Reviewer Comment (2026-07-13): A pre-close verification of employment within [redacted]business days prior to closing status is required on Non-QM loans. QM APOR loans do not have a similar employment verification requirement under the ATR Rule. So while a VVOE timing violation may be considered as a credit guideline requirement and cited as such on a loan, it should not have an effect on ability to repay and the loan Designation going to QM (APOR). Exception remains. Buyer Comment (2026-07-09): voe upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225771366 | [Redacted] | [Redacted] | 36764986 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to provided verification of employment was not provided within [redacted] days of closing. | Reviewer Comment (2026-07-13): Lender restated the loan designation. Condition cleared. Buyer Comment (2026-07-13): please re-designate to qm Reviewer Comment (2026-07-13): A pre-close verification of employment within [redacted]business days prior to closing status is required on Non-QM loans. QM APOR loans do not have a similar employment verification requirement under the ATR Rule. So while a VVOE timing violation may be considered as a credit guideline requirement and cited as such on a loan, it should not have an effect on ability to repay and the loan Designation going to QM (APOR). Exception remains. Buyer Comment (2026-07-09): voe upld to trl docs |
07/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225771366 | [Redacted] | [Redacted] | 36764987 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to provided verification of employment was not provided within [redacted] days of closing. | Reviewer Comment (2026-07-13): Lender restated loan designation and documentation does meet lender guides. Condition cleared. Buyer Comment (2026-07-13): please re-designate to qm Reviewer Comment (2026-07-13): A pre-close verification of employment within [redacted]business days prior to closing status is required on Non-QM loans. QM APOR loans do not have a similar employment verification requirement under the ATR Rule. So while a VVOE timing violation may be considered as a credit guideline requirement and cited as such on a loan, it should not have an effect on ability to repay and the loan Designation going to QM (APOR). Exception remains. Buyer Comment (2026-07-09): voe upld to trl docs |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225771366 | [Redacted] | [Redacted] | 36960072 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of the greater of .[redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] and $[redacted]([redacted]) (an overage of $[redacted]or [redacted]%). | Lender restated the loan designation. Points and fees exceeds the maximum for this loan designation. | Reviewer Comment (2026-07-22): Client re-stated loan back to NON QM Buyer Comment (2026-07-20): please re-designate back to Non-QM Reviewer Comment (2026-07-15): The lender is referencing a [redacted]% threshold in their rebuttal which is not a QM P&F threshold but that is the Federal HOEPA P&F threshold. The max QM P&F limit for this loan is $[redacted]. The lender's Compliance Report is stating the same, that the QM P&F exceed the fee limit. Buyer Comment (2026-07-14): please cancel, allowable points & fees for qm [redacted]% |
07/22/2026 | No | 1 | A | A | A | A | A | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225771366 | [Redacted] | [Redacted] | 36960079 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Failure due to points and fees. | Reviewer Comment (2026-07-22): Client re-stated loan back to NON QM Buyer Comment (2026-07-20): please re-designate back to Non-QM Reviewer Comment (2026-07-15): The lender is referencing a [redacted]% threshold in their rebuttal which is not a QM P&F threshold but that is the Federal HOEPA P&F threshold. The max QM P&F limit for this loan is $[redacted]. The lender's Compliance Report is stating the same, that the QM P&F exceed the fee limit. Buyer Comment (2026-07-14): please cancel, allowable points & fees for qm [redacted]% |
07/22/2026 | No | 1 | A | A | A | A | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225771366 | [Redacted] | [Redacted] | 37042034 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. | - | The verification of employment is not within [redacted] days. Lender exception approved for pre-close VVOE over [redacted] days and a post closing VVOE. |
Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-27): Client elects to waive with compensating factors. Buyer Comment (2026-07-23): exception aprvl upld |
07/27/2026 | Yes | 2 | B | B | B | B | B | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225771370 | [Redacted] | [Redacted] | 36770776 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225771370 | [Redacted] | [Redacted] | 36777922 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Mortgage statement and Tax statement for [redacted] | Reviewer Comment (2026-06-25): Mortgage statement for the subject property is already provided in file. Exception cleared. Buyer Comment (2026-06-23): Please see doc [redacted]page [redacted]showing mortgage statement for REO property. Kindly remove condition |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225771992 | [Redacted] | [Redacted] | 36770551 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender DTI [redacted]%, Review DTI [redacted]%. The [Redacted]riance is due to inclusion of expenses for the departing residence ([redacted]), as no supporting documentation was provided for exclusion. | Reviewer Comment (2026-08-24): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-08-20): bid tape corrected Reviewer Comment (2026-07-29): Received updated 1008 with matching DTI, but bid tape is still reflecting DTI of [redacted]%. An updated bid tape for the DTI is required. Buyer Comment (2026-07-27): Corrected 1008 and urla Reviewer Comment (2026-07-24): Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Exception Information: Lender DTI [redacted]%, Review DTI [redacted]%. The [Redacted]riance is due to inclusion of expenses for the departing residence ([redacted], as no supporting documentation was provided for exclusion. P&I considered for departing residence as supporting documentation for exclusion are not provided Buyer Comment (2026-07-24): Please review the exception. It allows the borrower to use [redacted]% of the business funds. Reviewer Comment (2026-07-22): The CPA letter reflects that the borrower owns [redacted]% of [redacted] & [redacted] Reviewer Comment (2026-07-22): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-07-20): income for both employments updated. [redacted], and the [redacted]one is at [redacted]% ownership Buyer Comment (2026-07-20): income for both employments updated. [redacted], and the [redacted] one is at [redacted]% ownership Buyer Comment (2026-07-20): income for both employments updated.[redacted]s, and the [redacted] one is at [redacted]% ownership Reviewer Comment (2026-07-14): The discrepancy is coming due to difference in wage income, as per final 1003, the income from Gamechange [redacted] is $[redacted], but the verified base income is only $[redacted]. Exception remains. Buyer Comment (2026-07-10): updated 1008 and urla, DTI should be [redacted] Buyer Comment (2026-07-10): updated 1008 and urla, DTI should be[redacted] Reviewer Comment (2026-07-08): Tax and insurance are included in mortgage payment with PITIA $[redacted] and calculated DTI is [redacted]%. However [Redacted]riance is due to lender not included this PITIA in DTI. Exception remains. Buyer Comment (2026-07-06): taxes and insurance are included in the mortgage statement |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225771992 | [Redacted] | [Redacted] | 36770629 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Income has been verified based on the provided documentation; however, the DTI exceeds the [redacted]% guideline limit, as expenses for the departing residence ([redacted]) have been included because supporting documentation was not provided for exclusion. | Reviewer Comment (2026-08-24): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-08-20): bid tape corrected Reviewer Comment (2026-07-29): Received updated 1008 with matching DTI, but bid tape is still reflecting DTI of [redacted]%. An updated bid tape for the DTI is required. Buyer Comment (2026-07-27): updated 1008 and 1003 submitted |
08/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225771992 | [Redacted] | [Redacted] | 36770632 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee increased from $[redacted], an increase of $[redacted], without a [Redacted]lid changed circumstance document in the file. No cure was provided. | Reviewer Comment (2026-07-14): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-10): PCCD |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225771992 | [Redacted] | [Redacted] | 36770695 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Income has been verified based on the provided documentation; however, the DTI exceeds the [redacted]% guideline limit, as expenses for the departing residence ([redacted]) have been included because supporting documentation was not provided for exclusion. | Reviewer Comment (2026-07-24): cleared Reviewer Comment (2026-07-22): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225771992 | [Redacted] | [Redacted] | 36770696 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The borrower's FICO score of [redacted] is below the guideline-required representative score of [redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Lender Exception with Compensating Factors provided. Reviewer Comment (2026-07-01): Received lenders exception appro[Redacted]l for the fico score/LTV, however the appro[Redacted]l maxed the DTI at [redacted]%. The current DTI is over [redacted]% due to the lender excluded the borrower's departure residence from the DTI. DD is unable to downgrade/waive exception with excessive DTI. Buyer Comment (2026-06-29): exception appro[Redacted]l |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| 225771992 | [Redacted] | [Redacted] | 36770736 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Income has been verified based on the provided documentation; however, the DTI exceeds the [redacted]% guideline limit, as expenses for the departing residence ([redacted]) have been included due to the absence of supporting documentation to justify their exclusion. | Reviewer Comment (2026-08-24): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-08-20): bid tape corrected Reviewer Comment (2026-07-29): Received updated 1008 with matching DTI, but bid tape is still reflecting DTI of [redacted]%. An updated bid tape for the DTI is required. Buyer Comment (2026-07-27): updated 1008 and 1003 submitted |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225771992 | [Redacted] | [Redacted] | 36778660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-07-24): Document provided Reviewer Comment (2026-07-22): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225771996 | [Redacted] | [Redacted] | 36771272 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-08-07): Final title policy with sufficient coverage, cleared |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 225771996 | [Redacted] | [Redacted] | 36771273 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. | Reviewer Comment (2026-08-07): Final title policy with sufficient coverage, cleared Buyer Comment (2026-08-06): Please see attached title policy showing a policy amount of $[redacted] |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| 225771996 | [Redacted] | [Redacted] | 36771644 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condo due to single entity ownership is approved. Per disposition, minimum [redacted]DSCR (to keep comp factor), [redacted]LLPA condo will apply. Subject to meeting all other [Redacted] guidelines. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: [redacted] Guideline Requirement: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted]. |
SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-06-19): Client elects to waive with compensating factors. |
06/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 225774905 | [Redacted] | [Redacted] | 36771634 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-08): The received UCDP document reflects a CU score of [redacted]. The CU score is less than [redacted], a secondary [Redacted]luation is not required. Exception Cleared. Buyer Comment (2026-07-07): ucdp upld, cu is under [redacted], [Redacted]luation not required. |
07/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 225774905 | [Redacted] | [Redacted] | 36771641 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-07-08): Received Hazard Insurance Policy document. Verified and updated details. Exception Cleared. Buyer Comment (2026-07-07): hoi and checklist of coverage upld, [Redacted] property |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225774905 | [Redacted] | [Redacted] | 36772005 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | The mortgage payoff statement is missing from the file. | Reviewer Comment (2026-07-08): Received the mortgage payoff statement document. Verified and updated details. Exception Cleared. Buyer Comment (2026-07-07): pay off upld |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225774905 | [Redacted] | [Redacted] | 36772044 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing the specific corporate resolution as required by lender guides. | Reviewer Comment (2026-07-10): Received Corporate Resolution for the Entity. Exception cleared. Buyer Comment (2026-07-09): please clear, the unanimous consent reflects [redacted], that's our [redacted] branch. Reviewer Comment (2026-07-08): Received Unanimous Consent document does not reflects the lender name. Exception Remains. Buyer Comment (2026-07-07): resolution upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225775190 | [Redacted] | [Redacted] | 36775215 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec [redacted] | Reviewer Comment (2026-07-15): Received CDA. Exception Cleared. Buyer Comment (2026-07-14): CDA |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225775190 | [Redacted] | [Redacted] | 36775216 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-15): E-sign Consent Agreement received. Exception Cleared. Buyer Comment (2026-07-14): eConsent |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225775190 | [Redacted] | [Redacted] | 36775217 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted] days of the Note. | - | The verification of employment is not within [redacted] days of the Note. | Reviewer Comment (2026-07-10): Received Third party Employment dated [redacted]. Exception cleared Buyer Comment (2026-07-09): VOE |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225775190 | [Redacted] | [Redacted] | 36778947 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | All pages and schedules of [redacted] and [redacted] tax returns were not provided. | Reviewer Comment (2026-07-10): Received 1120S for [redacted] and [redacted]. Exception cleared. Buyer Comment (2026-07-08): Tax returns |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225775190 | [Redacted] | [Redacted] | 36778963 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | All pages of [redacted] and [redacted]0s Tax returns were not provided. | Reviewer Comment (2026-07-10): Received 1120S for [redacted] and [redacted]. Exception cleared. Buyer Comment (2026-07-08): See tax returns |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225775220 | [Redacted] | [Redacted] | 36774930 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-08): Proof of appraisal delivery received, exception cleared Buyer Comment (2026-07-07): aprsl receipt for[redacted] report upld to trl docs |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225775220 | [Redacted] | [Redacted] | 36774931 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Proof of Appraisal delivery report is not a[Redacted]ilable in file for Appraisal Report date [redacted]. | Reviewer Comment (2026-07-08): Proof of appraisal delivery received, exception cleared Buyer Comment (2026-07-07): aprsl receipt upld for[redacted] report |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225775220 | [Redacted] | [Redacted] | 36774933 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted]threshold. | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted]that does not match the actual total of payments for the loan. | Reviewer Comment (2026-07-15): Final Settlement statement confirms [redacted]Corrected CD appraisal fees and credits match and final for fees with no increase in costs to borrower. Buyer Comment (2026-07-14): the final ss is on [redacted] Reviewer Comment (2026-07-13): The final disclosure to the borrower did not have fee noted. If the fee was not charged to the borrower, plesae provide a final copy of the ALTA settlement statement indicating the borrower was not charged, however, a cure is required if the borrower was charged for the fee. The borrower may not be charged for fees not disclosed on the final CD. Buyer Comment (2026-07-10): rebuttal upld Reviewer Comment (2026-07-08): The paid by others section [redacted]oes not show a credit on either closing or PCCD, and an additional fee of $[redacted]for an Appraisal re-inspection fee was added post close. Cure required is $[redacted]and PCCD, LOE, Copy of refund check and proof of mailing. Buyer Comment (2026-07-07): pccd docs with proof sent to bwr upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equi[Redacted]lent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225775471 | [Redacted] | [Redacted] | 36777079 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | Lender exception for Borrowers both being First Time Homebuyers on a DSCR loan. Unable to waive and downgrade due to missing Lender exception with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-25): Client elects to waive with compensating factors. Reviewer Comment (2026-06-25): Received lender exception appro[Redacted]l with comp factor for borrower does not have primary residence for landlord waiver. Buyer Comment (2026-06-23): exception |
06/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 225778200 | [Redacted] | [Redacted] | 36775496 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Missing signed prepayment rider in file. | Reviewer Comment (2026-07-10): Received signed prepayment rider. Exception cleared. Buyer Comment (2026-07-09): Please see attached. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225778200 | [Redacted] | [Redacted] | 36775501 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing [redacted] exchange agreement for assets in file. | Reviewer Comment (2026-07-10): Received signed 1031 exchange agreement. Exception cleared. Buyer Comment (2026-07-09): Please see attached. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225778200 | [Redacted] | [Redacted] | 36777224 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Short term rental $[redacted]monthly. Tape using $[redacted]qualifying rent. | Reviewer Comment (2026-07-10): Bid Tape d[Redacted] matches DSCR. Exception cleared. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225778808 | [Redacted] | [Redacted] | 36775752 | Credit | Business Purpose | [Redacted] | Business Purpose | Missing Document: Spousal Consent not provided. | - | Borrower's marital status is married, but Spousal Consent form was not found in file. | Reviewer Comment (2026-07-13): Spouse signed the mortgage, spousal consent not required, exception cleared. Buyer Comment (2026-07-09): Email from title Reviewer Comment (2026-07-07): Borrower is married and lives in a community property state. Require spousal consent. Exception remains. Buyer Comment (2026-07-06): personal guaranty Reviewer Comment (2026-06-25): No new document received. Per guide page [redacted], Personal guaranty from community property states ([redacted], [redacted], [redacted], [redacted], [redacted][redacted], [redacted], [redacted], [redacted]) must be accompanied with a Spousal Consent to Pledge. Exception remains. Buyer Comment (2026-06-23): a spousal consent is not needed on a loan in an LLC. also the borrowers spouse is a member of the LLC as well and signed the mortgage |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225779422 | [Redacted] | [Redacted] | 36775442 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee increased from $[redacted], an increase of $[redacted], without a [Redacted]lid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-07-17): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-16): Please see attached. |
07/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780090 | [Redacted] | [Redacted] | 36776002 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-20): should be calculated by taking the post-close a[Redacted]ilable assets divided by [redacted]mos - not by [redacted]mos as the Passive Asset Utilization guidelines require |
07/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225780090 | [Redacted] | [Redacted] | 36776003 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank [redacted]): Investor's calculated residual income amount (-[redacted]) and calculated Non QM residual amount (-[redacted]) are both lower than the amount required per the guidelines ([redacted]). | The residual income amount of -$[redacted]is less than $[redacted]per the guidelines. | Reviewer Comment (2026-07-20): should be calculated by taking the post-close a[Redacted]ilable assets divided by [redacted]mos - not by [redacted]mos as the Passive Asset Utilization guidelines require Buyer Comment (2026-07-17): To provide additional [redacted] of the residual income calculation as it relates to the Asset Qualifier guidelines, it should be calculated by taking the post-close a[Redacted]ilable assets divided by [redacted]mos - not by [redacted]mos as the Passive Asset Utilization guidelines require. These are different programs and calculations. By using the correct method ([redacted]mos), this should yield a residual income of $[redacted]/mo thus meeting the requirement of $[redacted]minimum. Thank you. Buyer Comment (2026-07-16): Rebuttal please use the asset qualifier calculation rather than the passive asset one. Reviewer Comment (2026-07-10): Was able to slightly increase asset depletion income and reduce the tax amount on the property, however the residual still does not meet lender guides. The residual is now at -[redacted]. Reviewer Comment (2026-07-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount (-[redacted]) and calculated Non QM residual amount (-[redacted]) are both lower than the amount required per the guidelines ([redacted]). Buyer Comment (2026-07-08): please review the tax cert, correct tax amount for the subject property was used Reviewer Comment (2026-07-02): As per the Worksheet Taxes amount taken $[redacted]instead of $[redacted], please provide updated worksheet which shows more than $[redacted]residual income, Exception remains. Buyer Comment (2026-07-01): [redacted]is the residual income worksheet. Please review and let me know if you are still seeing a discrepancy |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780175 | [Redacted] | [Redacted] | 36892214 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: DSCR | Reviewer Comment (2026-07-08): DSCR rebuttal provided for tax, information updated. Exception cleared. Buyer Comment (2026-07-07): Hello, please see the attached DSCR Rebuttal. Thank you! |
07/08/2026 | No | 1 | A | A | A | A | A | IL | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225780179 | [Redacted] | [Redacted] | 36776115 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec [redacted] | Reviewer Comment (2026-06-29): UCDP with acceptable risk score, cleared Buyer Comment (2026-06-29): ucdp upld, please cleas, cu is under [redacted], cda not required |
06/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Pur[Redacted] | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 225780179 | [Redacted] | [Redacted] | 36776117 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Subject property Hazard Insurance Policy is missing in the file | Reviewer Comment (2026-06-29): Hazard Insurance Policy, cleared Buyer Comment (2026-06-29): hoi upld |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225780179 | [Redacted] | [Redacted] | 36896943 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - FICO | Reviewer Comment (2026-07-10): Revised 1008 received with corrected FICO score. Reviewed and verified. Exception cleared. Buyer Comment (2026-07-09): revised 1008 upld, fico is [redacted] |
07/10/2026 | No | 1 | A | A | A | A | A | [Redacted] | Investment | Pur[Redacted] | D | A | C | A | D | A | N/A | No | |||||||||||||||||||
| 225780181 | [Redacted] | [Redacted] | 36776192 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-15): E-Sign Consent Agreement received & associated. Exception cleared. Buyer Comment (2026-07-14): Please see attached eConsent Agreement |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225780181 | [Redacted] | [Redacted] | 36776202 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. | - | Credit score missing for the co-borrower. Borrower is a Non-Permanent Resident Alien. The loan appro[Redacted]l reflects that there is a lender exception however the exception appro[Redacted]l document is not located in the file. | Reviewer Comment (2026-07-15): updated Buyer Comment (2026-07-14): Please see attached Exception Buyer Comment (2026-07-13): Here is an exception for this file to address the credit score on this file. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780181 | [Redacted] | [Redacted] | 36776241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Audited P&L missing in loan file. | Reviewer Comment (2026-07-15): Signed & dated tax return associated. Exception cleared. Buyer Comment (2026-07-14): Please check guidelines. Audited P&L is not a required document. |
07/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225780181 | [Redacted] | [Redacted] | 36776242 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | Audited P&L missing in loan file. | Reviewer Comment (2026-07-15): Signed & dated tax return associated. Exception cleared. Buyer Comment (2026-07-14): Please check guidelines. Audited P&L is not a required document. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780181 | [Redacted] | [Redacted] | 36776243 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Audited P&L missing in loan file. | Reviewer Comment (2026-07-15): Signed & dated tax return associated. Exception cleared. |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780181 | [Redacted] | [Redacted] | 36798339 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit score missing for the co-borrower. Borrower is a Non-Permanent Resident Alien. The loan appro[Redacted]l reflects that there is a lender exception however the exception appro[Redacted]l document is not located in the file. | Reviewer Comment (2026-07-15): updated Buyer Comment (2026-07-13): Hello, sorry for the typos. Here is an exception for this file to address the credit score on this file. The score of [redacted]should be acceptable. Buyer Comment (2026-07-13): Hello there was an enception that was made that addressed the credit score issue on this file. The score of [redacted]should be acceptable based on the items provided. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225780181 | [Redacted] | [Redacted] | 36999324 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for borrowers are unable to provide a VOR. They rent from the borrower's father and pay cash. Unable to document a[Redacted] type of housing payment at all. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-16): Client elects to waive with compensationg factors. |
07/16/2026 | Yes | 2 | B | B | B | B | B | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225780181 | [Redacted] | [Redacted] | 36999333 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for [redacted]% LTV exception FTHB who cannot provide a rental history (rents from family pays cash.) | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-16): Client elects to waive with compensationg factors. |
07/16/2026 | Yes | 2 | B | B | B | B | B | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225780181 | [Redacted] | [Redacted] | 36999341 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for borrower [redacted]meets all full doc guides, co borrowr has an ITIN. Requestion an exception to follow full doc guides rather than ITIN guides. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-16): Client elects to waive with compensationg factors. |
07/16/2026 | Yes | 2 | B | B | B | B | B | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225780181 | [Redacted] | [Redacted] | 36999358 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for co-borrower has an ITIN with no credit score. Also unable to provide alternativ[Redacted]lines. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-16): Client elects to waive with compensationg factors. |
07/16/2026 | Yes | 2 | B | B | B | B | B | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225780190 | [Redacted] | [Redacted] | 36776038 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check document is missing in the file. | Reviewer Comment (2026-06-24): Fraud Report document received and information updated. Exception Cleared. Seller Comment (2026-06-23): FRAUD GUARD |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225780190 | [Redacted] | [Redacted] | 36776039 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report document is missing in the file. | Reviewer Comment (2026-06-24): Fraud Report document received and information updated. Exception Cleared. Seller Comment (2026-06-23): FRAUD GUARD |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225780196 | [Redacted] | [Redacted] | 36775991 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec [redacted] | Reviewer Comment (2026-07-20): Received revised appraisal report with corrected effective date of [redacted]. Exception cleared. |
07/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | N/A | N/A | No | ||||||||||||
| 225780196 | [Redacted] | [Redacted] | 36776001 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than [redacted] prior to the note date. | Reviewer Comment (2026-07-20): Received revised appraisal report with corrected effective date of [redacted]. Exception cleared. Buyer Comment (2026-07-16): Corrected appraisal |
07/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | N/A | N/A | No | ||||||||||||
| 225780196 | [Redacted] | [Redacted] | 36776013 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. | Buyer Comment (2026-07-16): waiving this condition, [redacted] only and Guaranty Agreement provided documentation meets requirements to retain PPP. Reviewer Comment (2026-07-09): On business purposes loans made to a business entity other than a corporation (such as an LLC), an exception will be cited as an EV2-B. There does not appear to be a cure a[Redacted]ilable if a loan already closed with a PPP in [redacted]. Buyer Comment (2026-07-07): Guaranty |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | N/A | N/A | No | |||||||||||
| 225780196 | [Redacted] | [Redacted] | 36776014 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | A | A | B | B | D | A | N/A | N/A | Yes | ||||||||||
| 225780196 | [Redacted] | [Redacted] | 37019506 | Property | [Redacted]luation | [Redacted]luation Issue | [Redacted]luation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review effective date [redacted] does not match the Appraisals effective date [redacted]. Required CDA with corrected effective date. | Reviewer Comment (2026-07-30): Received Desk Review (CDA) with correct effective date [redacted]. Exception cleared. Buyer Comment (2026-07-28): CDA Reviewer Comment (2026-07-27): The Desk Review effective date [redacted] does not match the Appraisals effective date [redacted]. Buyer Comment (2026-07-23): Appraisal |
07/30/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | N/A | N/A | No | ||||||||||||||||
| 225780343 | [Redacted] | [Redacted] | 36903781 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - DSCR | Reviewer Comment (2026-08-05): Updated bid tape received. Reviewer Comment (2026-07-10): Bid tape DSCR is still reflecting [redacted]and needs to be updated to [redacted]to clear the condition. Exception remains. Buyer Comment (2026-07-08): supporting docs Buyer Comment (2026-07-08): [redacted]respectfully disagrees with DSCR Score [redacted]: [redacted]|| [redacted]: [redacted] [redacted] using incorrect HOA amount and rent. HOA: $[redacted]/ qtr = $[redacted]/month Rent per 1007: $[redacted] Unfortunately, [redacted]was not initially using both city & county taxes in PITIA. After correcting, new DSCR: [redacted]/ [redacted]= [redacted] PLease see supporting docs and update [redacted] score |
08/05/2026 | No | 1 | A | A | A | A | A | NC | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225780583 | [Redacted] | [Redacted] | 36776743 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the [Redacted]lues used for compliance testing. | Reviewer Comment (2026-07-16): Final closing disclosure received. Details verified and Fees updated from final closing disclosure and seller CD.Exception cleared. |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225780583 | [Redacted] | [Redacted] | 36776747 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing a year-to-date pay stub or written VOE to confirm the new income for [redacted]. | Reviewer Comment (2026-07-09): Documentation meets lender guides. Condition cleared. Buyer Comment (2026-07-07): Please review the Income LOX Reviewer Comment (2026-07-02): Received VVOE in file. As borrower started working on [redacted] and note date is[redacted]. As per employer letter borrower is working [redacted]hours which is biweekly require one paystub. Exception remains. Buyer Comment (2026-06-30): [redacted]is confirmation of her employment and pay rate and [redacted]is the work number as well. |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225780583 | [Redacted] | [Redacted] | 36776749 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank [redacted]): Unable to verify income due to, missing W-[redacted], Paystub, LES, ETS or WVOE. | Missing a year-to-date pay stub or written VOE to confirm the new income. | Reviewer Comment (2026-07-09): Documentation meets lender guides. Condition cleared. Buyer Comment (2026-07-07): Income LOX Reviewer Comment (2026-07-02): Received VVOE in file. As borrower started working on [redacted] and note date is [redacted]. As per employer letter borrower is working [redacted]hours which is biweekly require one paystub. Exception remains. Buyer Comment (2026-06-30): [redacted]is confirmation of her employment and pay rate and [redacted]is the work number as well. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780583 | [Redacted] | [Redacted] | 36776750 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Missing a year-to-date pay stub or written VOE to confirm the new income for [redacted]. | Reviewer Comment (2026-07-09): Documentation meets lender guides. Condition cleared. Reviewer Comment (2026-07-02): Received VVOE in file. As borrower started working on [redacted] and note date is [redacted]. As per employer letter borrower is working [redacted]hours which is biweekly require one paystub. Exception remains. |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780583 | [Redacted] | [Redacted] | 36981976 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: LTV | Reviewer Comment (2026-07-16): Final closing disclosure received. Details verified and Fees updated from final closing disclosure and seller CD. Exception cleared. Buyer Comment (2026-07-15): CD - final Buyer Comment (2026-07-15): Addendum - $[redacted] Buyer Comment (2026-07-15): [redacted]disagrees with [redacted]'s Contract Sales price. Attached please find [redacted] addendum which reduces sales price to $[redacted]. [redacted]LTV of [redacted]% is correct. Please review and update [redacted]. |
07/16/2026 | No | 1 | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225780616 | [Redacted] | [Redacted] | 36808365 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total fee of $[redacted]exceeds the tolerance limit of $[redacted]plus [redacted]% ($[redacted]), resulting in a $[redacted]overage with no cure provided to the borrower. | Reviewer Comment (2026-06-23): Cured at closing or within [redacted]days of consummation prior to [redacted] review |
06/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780616 | [Redacted] | [Redacted] | 36808366 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee of $[redacted]exceeds the allowable tolerance of $[redacted], resulting in a $[redacted]overage with no cure provided to the borrower. | Reviewer Comment (2026-06-23): Cured at closing or within [redacted]days of consummation prior to [redacted] review |
06/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780616 | [Redacted] | [Redacted] | 36808579 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | [redacted] Loan CD was not found in the file | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure to verify P&I. Exception cleared. Buyer Comment (2026-07-08): bridge cd upld |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225780616 | [Redacted] | [Redacted] | 36808965 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transaction Management Fee of $[redacted]added to final CD with no [Redacted]lid Change of Circumstance or evidence of Lender Cure. | Reviewer Comment (2026-07-15): [redacted]Received Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-07-14): pccd docs and proof sent to bwr upld Reviewer Comment (2026-07-14): [redacted]received corrected PCCD and LOE along with the final SS but as per PCCD the fee name is still same as previously disclosed. Please provide either correct fee name or move the fee in correct section of the CD or cure would be required. Buyer Comment (2026-07-10): please see pccd and final ss, the fee name/amount was corrected when balancing with the final ss. Reviewer Comment (2026-07-10): [redacted] received rebuttal comment that fee was borrower shopped in the event the fee was disclosed in incorrect section. If the fee is borrower shopped and borrower elected it should have been disclosed under section [redacted] of the CD. Please provide corrected PCCD and LOE moving the fee to correct section. Buyer Comment (2026-07-08): please cancel, the borrower shopped for fees |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780616 | [Redacted] | [Redacted] | 36809170 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | File did not contain a [Redacted]lid Change of Circumstance for the added fee and there was no evidence of a tolerance cure. | Reviewer Comment (2026-07-10): [redacted]received rate lock for program change and as per COC dated [redacted]. Buyer Comment (2026-07-08): locks showing program change upld, the new program required a $[redacted] cda fee, corresponding coc is on [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780616 | [Redacted] | [Redacted] | 36976953 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225780633 | [Redacted] | [Redacted] | 36777202 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee not disclosed on initial LE. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-30): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-26): PCCD, LOX, Label and Check |
06/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225782052 | [Redacted] | [Redacted] | 36798391 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225784247 | [Redacted] | [Redacted] | 36805270 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in file. | Reviewer Comment (2026-06-26): Received Fraud Report. Exception Cleared. Seller Comment (2026-06-24): fraud report received. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225784247 | [Redacted] | [Redacted] | 36809822 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | The mortgage payoff is missing from the file. | Reviewer Comment (2026-06-26): Received Mortgage payoff Statement. Exception Cleared. Seller Comment (2026-06-24): [redacted]dated [redacted] Seller Comment (2026-06-24): payoff letter received. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225784247 | [Redacted] | [Redacted] | 36809865 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The title indicates a lis pendens was filed against the borrowing entity on[redacted] which is within the [redacted]year restriction which does not meet lender guides.. Clarification is required. | Reviewer Comment (2026-07-02): Cleared. Received correspondence from atttorney clarifying lis pendens. Seller Comment (2026-07-01): CLARIFICATION |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225784247 | [Redacted] | [Redacted] | 36809902 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | File is missing the CoGS dated within [redacted] prior to closing for the borrowing entity. | Reviewer Comment (2026-06-26): Received certificate of good Standing. Exception Cleared. Seller Comment (2026-06-24): COGS dated [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225784252 | [Redacted] | [Redacted] | 36808389 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of the HOA verification for REO, [redacted]. | Reviewer Comment (2026-07-09): Received HOA verification and updated 1003/1008. Exception cleared. Buyer Comment (2026-07-08): HOA Reviewer Comment (2026-07-07): HOA verification required for Reo property address- [redacted]. Exception remains. Buyer Comment (2026-07-06): corrected 1003 and HOA Buyer Comment (2026-07-06): corrected 1003 & 1008 Reviewer Comment (2026-07-01): HOA document provided does not specify whether it applies to property: [redacted] or property: C, [redacted]. Also, the HOA amount of $[redacted]does not aligns with property expense on the 1008/1003. Please provide clarification and supporting documentation. Exception Remains. Buyer Comment (2026-06-29): HOA |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225784252 | [Redacted] | [Redacted] | 36808416 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225784254 | [Redacted] | [Redacted] | 36810068 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted] housing history is not located in the file. | Reviewer Comment (2026-07-08): Verification of rent and Letter of explanation provided stating borrower living rent free. Exception Cleared Seller Comment (2026-07-07): lox from borrower and supporting docs Reviewer Comment (2026-06-29): The guidelines provided ( Underwriting Guidelines-Internal v[redacted] [redacted]) to DD do not provide for this specific language for first time homebuyers Seller Comment (2026-06-25): A first time home buyer (FTHB) who does not have a complete [redacted] housing payment history with no [redacted]-day lates in the are eligible subject to the following limitations: • Primary residence only. • A minimum [redacted]% applicant contribution is required. • Gifted funds may not be utilized on loans with an LTV/CLTV greater than [redacted]% and greater than $[redacted]loan size. • The payment shock limitation above does not apply. • |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225784255 | [Redacted] | [Redacted] | 36808391 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[redacted]. | Reviewer Comment (2026-07-17): Per [redacted] update, policies that provide coverage on a replacement cost basis is deemed to provide sufficient coverage. Buyer Comment (2026-07-15): [redacted] is not a borrower on this transaction. Please cancel condition. Buyer Comment (2026-07-15): Per [redacted]Lender Letter for [redacted]([redacted] attached), it is no longer the industry standard to document the replacement cost [Redacted]lue to verify the property insurance coverage amount. It is sufficient to provide confirmation of coverage on a replacement cost basis with the exception of roofs. Property insurance policies that provide such terms of coverage are deemed sufficient. Buyer Comment (2026-07-15): Per [redacted] Lender Letter for [redacted]([redacted] attached), it is no longer the industry standard to document the replacement cost [Redacted]lue to verify the property insurance coverage amount. It is sufficient to provide confirmation of coverage on a replacement cost basis with the exception of roofs. Property insurance policies that provide such terms of coverage are deemed sufficient. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225784255 | [Redacted] | [Redacted] | 36808392 | Property | [Redacted]luation | [Redacted]luation Issue | [Redacted]luation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Field Review effective date does not match the Appraisal's effective date. | Reviewer Comment (2026-07-21): Received Field Review with Effective Date updated as per Primary Appraisal. Buyer Comment (2026-07-17): Please see attached updated Field Review. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225784255 | [Redacted] | [Redacted] | 36808395 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Birth date not provided. | Reviewer Comment (2026-07-17): Birth date not required. Exception Cleared. Buyer Comment (2026-07-15): [redacted] is not a borrower on this transaction. Please cancel condition. |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | |||||||||||||
| 225784255 | [Redacted] | [Redacted] | 36808523 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The subject property address on the insurance binder reflects the zip code as [redacted], the subject property's zip code is [redacted]. | Reviewer Comment (2026-07-16): Received updated Hazard Insurance policy document reflecting zip code as [redacted]. Exception Cleared. Buyer Comment (2026-07-15): Please see attached updated binder with zip code corrected |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225784258 | [Redacted] | [Redacted] | 36808674 | Credit | System | [Redacted] | Appraisal Reconciliation | [Redacted]luation address does not match Note address. | - | The Note document address does not match the CDA document. The Note document shows "[redacted]", and the CDA document shows "[redacted]". | Reviewer Comment (2026-07-07): CDA provided with correct address. Exception cleared. Buyer Comment (2026-07-06): CDA with address |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225784261 | [Redacted] | [Redacted] | 36810222 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Borrower provided a letter stating they are intending to sale current residence. There is no evidence of pending sale in file. | Reviewer Comment (2026-07-17): Property listed verified from property history report and LOX intend to sell associated. Exception cleared. Buyer Comment (2026-07-15): We are using the Departing Residence Guidelines to exclude the PITI of the existing primary home. LOE with borrower's intent in file and [redacted]shows property is listed with MLS #[redacted]for $[redacted]and BPO in [redacted]showing more than [redacted]% equity. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225784261 | [Redacted] | [Redacted] | 36810230 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Borrower provided a letter stating they are intending to sale current residence. There is no evidence of pending sale in file. | Reviewer Comment (2026-07-17): Property listed verified from property history report and LOX intend to sell associated. Exception cleared. Buyer Comment (2026-07-15): We are using the Departing Residence Guidelines to exclude the PITI of the existing primary home. LOE with borrower's intent in file and [redacted]shows property is listed with MLS #[redacted]for $[redacted]and BPO in [redacted]showing more than [redacted]% equity. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225784261 | [Redacted] | [Redacted] | 36810232 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower provided a letter stating they are intending to sale current residence. There is no evidence of pending sale in file. | Reviewer Comment (2026-07-17): Property listed verified from property history report and LOX intend to sell associated. Exception cleared. Buyer Comment (2026-07-15): We are using the Departing Residence Guidelines to exclude the PITI of the existing primary home. LOE with borrower's intent in file and [redacted]shows property is listed with MLS #[redacted]for $[redacted]and BPO in [redacted]showing more than [redacted]% equity. |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225784261 | [Redacted] | [Redacted] | 36810233 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Borrower provided a letter stating they are intending to sale current residence. There is no evidence of pending sale in file. | Reviewer Comment (2026-07-17): Property listed verified from property history report and LOX intend to sell associated. Exception cleared. Buyer Comment (2026-07-15): We are using the Departing Residence Guidelines to exclude the PITI of the existing primary home. LOE with borrower's intent in file and [redacted]shows property is listed with MLS #[redacted]for $[redacted]and BPO in [redacted]showing more than [redacted]% equity. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225784261 | [Redacted] | [Redacted] | 36810234 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Borrower provided a letter stating they are intending to sale current residence. There is no evidence of pending sale in file. | Reviewer Comment (2026-07-17): Property listed verified from property history report and LOX intend to sell associated. Exception cleared. Buyer Comment (2026-07-15): We are using the Departing Residence Guidelines to exclude the PITI of the existing primary home. LOE with borrower's intent in file and [redacted] shows property is listed with MLS #[redacted]for $[redacted]and BPO in [redacted]showing more than [redacted]% equity. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806638 | [Redacted] | [Redacted] | 36813124 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA Letter or business narrative completed by a CPA or tax preparer is not in the loan file. | Reviewer Comment (2026-07-10): Received Operating Agreement is reviewed. Business ownership has been verified, exception cleared. Buyer Comment (2026-07-08): Business docs |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806638 | [Redacted] | [Redacted] | 36813164 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Lender Exception for not being in the industry for [redacted]. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-10): Client elects to waive wth compensating factors. Reviewer Comment (2026-07-10): Received lender exception appro[Redacted]l to permit [redacted]months of self-employment without [redacted]previous years of employment in the same line of work. Buyer Comment (2026-07-08): Exception |
07/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225806638 | [Redacted] | [Redacted] | 36813205 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Unable to confirm ATR due to missing business narrative. | Reviewer Comment (2026-07-10): Received Operating Agreement is reviewed. Business ownership has been verified, exception cleared. |
07/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225806638 | [Redacted] | [Redacted] | 36813206 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Unable to confirm ATR due to missing business narrative. | Reviewer Comment (2026-07-10): Received Operating Agreement is reviewed. Business ownership has been verified, exception cleared. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806660 | [Redacted] | [Redacted] | 36808838 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-09): Received[redacted] Business Bank Statement is verified and associated, exception cleared. Buyer Comment (2026-07-08): bank statement |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806660 | [Redacted] | [Redacted] | 36808845 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Personal not provided | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-09): Received[redacted] Bank Statement is verified and associated, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225806660 | [Redacted] | [Redacted] | 36808877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to missing business bank statement for [redacted]. | Reviewer Comment (2026-07-09): Received[redacted] Bank Statement is verified and associated, exception cleared. |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225806660 | [Redacted] | [Redacted] | 36808878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Waterfall due to missing business bank statement for [redacted]. | Reviewer Comment (2026-07-09): Received[redacted]Bank Statement is verified and associated, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806660 | [Redacted] | [Redacted] | 36808879 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing business bank statement for [redacted]. | Reviewer Comment (2026-07-09): Received[redacted] Bank Statement is verified and associated, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806660 | [Redacted] | [Redacted] | 36808881 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-09): Received[redacted] Bank Statement is verified and associated, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806660 | [Redacted] | [Redacted] | 36808882 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to missing business bank statement for [redacted]. | Reviewer Comment (2026-07-09): Received[redacted] Bank Statement is verified and associated, exception cleared. |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225806660 | [Redacted] | [Redacted] | 36808890 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-09): Received[redacted] Bank Statement is verified and associated, exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225806807 | [Redacted] | [Redacted] | 36809156 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-06): Received final title policy without additional liens reflecting. Exception cleared. |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225806807 | [Redacted] | [Redacted] | 36809331 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects mechanic liens with outstanding balances to be determined. HUD [redacted] does not reflect payoff of each liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-06): Received final title policy without additional liens reflecting. Exception cleared. Buyer Comment (2026-08-05): Final Title |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225806807 | [Redacted] | [Redacted] | 36815722 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Unanimous Consent & Resolution to Borrow document is not signed by the borrower. | Reviewer Comment (2026-07-10): Received signed Unanimous Consent & Resolution. Exception cleared. Buyer Comment (2026-07-09): [redacted] docs |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225809615 | [Redacted] | [Redacted] | 36810538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted]is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Closing Disclosure reflects Finance Charge of $[redacted], but calculated Finance Charge of $[redacted]. [Redacted]riance = $[redacted]. | Reviewer Comment (2026-07-06): [redacted]received confirmation of one-time fee. Buyer Comment (2026-07-02): Please see attached email of title confirming fees. Kindly remove condition Reviewer Comment (2026-07-01): While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under [redacted], a[Redacted] portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment 19 (4)(c)(7)-3 which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge. If a one time fee, please provide an executed lender attestation confirming not life of loan fee but a one time upfront at closing fee for determination. Buyer Comment (2026-06-29): The fee in question is the $[redacted]Tax Cert Fee. This was a one-time upfront fee and not a life of loan service. This is not an APR fee. Kindly ree[Redacted]luate and remove condition |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225809615 | [Redacted] | [Redacted] | 36810586 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec [redacted] | The file is missing a copy of the secondary [Redacted]luation required for securitization purposes. | Reviewer Comment (2026-07-02): Supporting secondary [Redacted]luation received. Exception Cleared. Buyer Comment (2026-07-01): Please see attached copy of supporting CDA to clear condition |
07/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225811760 | [Redacted] | [Redacted] | 36810636 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225811760 | [Redacted] | [Redacted] | 36810639 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification not provided for property located at [redacted]. | Reviewer Comment (2026-07-07): Received property#[redacted]hoa statement, tax certificate and condo insurance document. Exception Cleared. Buyer Comment (2026-07-06): 1003, taxes and HOA Reviewer Comment (2026-07-01): As per final application total expenses used to qualify $[redacted]. Required supporting document to verify remaining expenses $[redacted]. Exception remains. Buyer Comment (2026-06-29): LOX for no HOI |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225811761 | [Redacted] | [Redacted] | 36810644 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file is missing a copy of the Final Title Policy. | Reviewer Comment (2026-07-09): Final Title Policy provided. Exception cleared |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225811761 | [Redacted] | [Redacted] | 36810646 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets are required to cover the reserves requirement of [redacted] PITIA. | Reviewer Comment (2026-07-16): Reserve updated as per DU requirements. Exception cleared. Buyer Comment (2026-07-14): Loan follows DU for reserves per the guidelines |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225811761 | [Redacted] | [Redacted] | 36810652 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | A waterfall due to assets is required to cover the reserves requirement of [redacted] PITIA. | Reviewer Comment (2026-07-16): Reserve updated as per DU requirements. Exception cleared. Buyer Comment (2026-07-14): Loan follows DU for reserves per the guidelines |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225811761 | [Redacted] | [Redacted] | 36810653 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | A waterfall due to assets is required to cover the reserves requirement of [redacted] PITIA. | Reviewer Comment (2026-07-16): Reserve updated as per DU requirements. Exception cleared. Buyer Comment (2026-07-14): Loan follows DU for reserves per the guidelines |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225811761 | [Redacted] | [Redacted] | 36810654 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) [Redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted]: Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] T-[redacted]endorsement or the T-[redacted] endorsement. (The loan is a [redacted] Section [redacted]home equity loan.) | Title commitment does not have the [redacted] T-[redacted] endorsement or the T-[redacted] endorsement. | Reviewer Comment (2026-07-09): [Redacted] [redacted] endorsement and [redacted] endorsement provided. Exception cleared Buyer Comment (2026-07-08): both endorsements included |
07/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225811761 | [Redacted] | [Redacted] | 36810655 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[redacted] exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Service Charges were not disclosed on the Loan Estimate. The file does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-07-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-08): cured at closing |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225811761 | [Redacted] | [Redacted] | 36934916 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225813131 | [Redacted] | [Redacted] | 36811862 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225813131 | [Redacted] | [Redacted] | 36811863 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225813131 | [Redacted] | [Redacted] | 36816715 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower is a non-permanent resident and his Employment Authorization card was expired at the time of closing. Notes on [redacted] indicate a Lender Exception was made for this issue; however, the file does not contain a copy of the approved exception. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-07-01): Client elects to waive with compensating factors. Reviewer Comment (2026-07-01): Lender exception appro[Redacted]l provided for EAD card must be [Redacted]lid and unexpired as of the note date in all circumstances. EAD card is expired documetation filed for renwal in file. Buyer Comment (2026-06-29): exception |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225813134 | [Redacted] | [Redacted] | 36810711 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed on initial Loan Estimate as [redacted] but disclosed on final Closing Disclosure as $[redacted]. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor is evidence of cure provided in file. | Reviewer Comment (2026-07-21): [redacted]received Post CD and LOX. Buyer Comment (2026-07-20): Please see correspondence from title confirming survey was required in order to issue Title Policy. Provided PCCD moving survey fee to section [redacted] and cover letter sent to borrower with Updated PCCD. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830101 | [Redacted] | [Redacted] | 36819279 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HELOC Agreement not provided | [redacted] listed proceeds from secured loan but no supporting documentation is provided. | Reviewer Comment (2026-07-06): Received updated 1003 application. HELOC not considered for closing/reserves. Exception cleared. Buyer Comment (2026-07-02): Heloc did not occur, removed assets |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225830101 | [Redacted] | [Redacted] | 36824441 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Lease Agreement not provided | Month to month lease missing from the loan file for unit [redacted] | Reviewer Comment (2026-07-08): DSCR calculator associated and updated. Exception cleared. Buyer Comment (2026-07-07): DSCR calculator Buyer Comment (2026-07-07): Please review requested lease, adjust DSCR to [redacted]and clear condition Buyer Comment (2026-07-07): Lease - Unit [redacted] Reviewer Comment (2026-07-06): Lease agreement for unit [redacted]not provided. Exception Remains. Buyer Comment (2026-07-02): Rebuttal |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225830104 | [Redacted] | [Redacted] | 36819091 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec [redacted] | Reviewer Comment (2026-07-07): Supporting [redacted][Redacted]luation received. Exception Cleared. Buyer Comment (2026-07-06): CDA Reviewer Comment (2026-07-02): [redacted][Redacted]luation is not received-Exception remains. Buyer Comment (2026-07-01): CDA |
07/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Pur[Redacted] | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225830105 | [Redacted] | [Redacted] | 36819247 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lenders DTI of [redacted]% (per [redacted]) matches review DTI of [redacted]%. | Reviewer Comment (2026-07-14): Bid tape has been updated based on the income documents a[Redacted]ilable in the file. Exception cleared. Buyer Comment (2026-07-10): please see uw transmittal in file [redacted]. our dti is [redacted]%, bid tape correction requested. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225830105 | [Redacted] | [Redacted] | 36819315 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. Lenders DTI of [redacted]% (per [redacted]) matches review DTI of [redacted]%. | Reviewer Comment (2026-07-14): Bid tape has been updated based on the income documents a[Redacted]ilable in the file. Exception cleared. Buyer Comment (2026-07-10): please see uw transmittal in file [redacted]. our dti is [redacted]%, bid tape correction requested. |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830105 | [Redacted] | [Redacted] | 36819316 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. Lenders DTI of [redacted]% (per [redacted]) matches review DTI of [redacted]%. | Reviewer Comment (2026-07-14): Bid tape has been updated based on the income documents a[Redacted]ilable in the file. Exception cleared. Buyer Comment (2026-07-10): please see uw transmittal in file [redacted]. our dti is [redacted]%, bid tape correction requested. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830220 | [Redacted] | [Redacted] | 36819011 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI [Redacted]riance due to credit debt of $[redacted]not included in DTI as per [redacted]. | Reviewer Comment (2026-07-07): Cleared. Received CD for [redacted] loan showing debts paid off with proceeds prior to closing subject transaction. Buyer Comment (2026-07-06): Those [redacted] debts were paid off with the [redacted] loan. Please see the attached [redacted] loan CD. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225830220 | [Redacted] | [Redacted] | 36819012 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing note for [redacted] Loan with terms. DTI [Redacted]riance due to missing debts on [redacted]. | Reviewer Comment (2026-07-07): Cleared. Received CD for [redacted] loan showing debts paid off with proceeds prior to closing subject transaction. Buyer Comment (2026-07-06): bridge note |
07/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830220 | [Redacted] | [Redacted] | 36819013 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to credit debt of $[redacted]not included in DTI as per [redacted] and resulting [Redacted]riance in DTI. | Reviewer Comment (2026-07-07): Cleared. Received CD for [redacted] loan showing debts paid off with proceeds prior to closing subject transaction. Buyer Comment (2026-07-06): Those [redacted] debts were paid off with the [redacted] loan. [redacted] loan CD uploaded. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830220 | [Redacted] | [Redacted] | 36825203 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing [redacted] Loan note with terms | Reviewer Comment (2026-07-07): Cleared. Received Note and CD for [redacted] loan. Buyer Comment (2026-07-06): Bridge note submitted |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225830229 | [Redacted] | [Redacted] | 36818972 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]4D/[redacted] was not provided. | - | Appraisal was made subject to, and [redacted]is not reflected in file. | Reviewer Comment (2026-07-14): Received 1004D report. Exception cleared. Buyer Comment (2026-07-13): 1004D |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | A | A | C | A | Non QM | Non QM | No | ||||||||||
| 225830233 | [Redacted] | [Redacted] | 36818981 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted]is less than the note amount of $[redacted]. | Reviewer Comment (2026-07-28): Received commitment title. Exception cleared. Buyer Comment (2026-07-24): you could have just said there was a error in the upload of the document and it wasn't received. I have tried attaching it again hopefully this time it works as the attachment DOES show the policy amount of $[redacted]as requested. Reviewer Comment (2026-07-24): Provided title commitment with the policy amount of $[redacted]is less than the note amount of $[redacted]based on the Commitment in file. Required title document with the policy amount of $[redacted]. Exception Remains. Buyer Comment (2026-07-22): Please see attached updated title committing showing the correct policy amount. |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225830233 | [Redacted] | [Redacted] | 36818985 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Evidence the borrower was provided a copy of appraisal within [redacted] days prior to consummation is missing. | Reviewer Comment (2026-07-22): Evidence of appraisal delivery is already provided in file. Exception cleared. Buyer Comment (2026-07-20): Please see verification appraisal sent to borrower in [redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830233 | [Redacted] | [Redacted] | 36818986 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Evidence the borrower was provided a copy of appraisal within [redacted] days prior to consummation is missing. | Reviewer Comment (2026-07-22): Evidence of appraisal delivery is already provided in file. Exception cleared. Buyer Comment (2026-07-20): Please see verification appraisal sent to borrower in [redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830233 | [Redacted] | [Redacted] | 36818990 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-22): [redacted]received [Redacted]lid COC dated[redacted] Buyer Comment (2026-07-20): Initial LE dated[redacted]hows the loan was floating with a loan amount of $[redacted]which increased to the loan amount seen at closing of $[redacted]. COC date [redacted] is in [redacted]showing the loan amount increase and Rate Lock. Rate Lock shows loan was locked [redacted] supporting that the COC was issued within [redacted]days of closing. Another COC [redacted]was issued[redacted] reducing points which is also supported by the rate lock in file. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830441 | [Redacted] | [Redacted] | 36820131 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-22): Cleared. Received appraisal receipts Buyer Comment (2026-07-17): Appraisal receipt Reviewer Comment (2026-07-13): Appraisal report dated[redacted] missing evidence of receipt. Exception remains Buyer Comment (2026-07-09): Appraisal receipt |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830441 | [Redacted] | [Redacted] | 36820132 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] is missing evidence of receipt. | Reviewer Comment (2026-07-22): Cleared. Received appraisal receipts Buyer Comment (2026-07-22): Appraisal receipts |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830502 | [Redacted] | [Redacted] | 36820051 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception in [redacted] for LTV and FICO. Unable to waive and downgrade due to missing lender exception with comp factors Lender approved exception for LTV and fico score. |
Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-01): Client elects to waive with compensating factors. Buyer Comment (2026-06-29): Please see attached full copy of lender exception to clear conditions |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 225830502 | [Redacted] | [Redacted] | 36820063 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in [redacted] for credit tradelines. Unable to waive and downgrade due to missing lender exception with comp factors | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-01): Client elects to waive with compensating factors. Buyer Comment (2026-06-29): waterfall |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225831343 | [Redacted] | [Redacted] | 36830154 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee was not disclosed on the initial Loan Estimate but was disclosed on the final Closing Disclosure for [redacted]. The file does not contain a [Redacted]lid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-30): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-29): Please see attached. Reviewer Comment (2026-07-17): [redacted]Appraisal report completed on [redacted] and Appraisal review fee added on CD dated[redacted] which is not within [redacted]days' timeline. Provide COC with additional information why fee was charged on CD dated [redacted] or cure is due. Cure consist of PCCD, LOE, Refund Check and Proof of Mailing. Buyer Comment (2026-07-16): Due to a CU score of [redacted]an appraisal review was needed per guidelines. Please clear condition. |
07/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225831343 | [Redacted] | [Redacted] | 36830155 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee was disclosed on the initial Loan Estimate as $[redacted]but was disclosed on the final Closing Disclosure as $[redacted]. The file does not contain a [Redacted]lid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-17): [redacted]/Rate Lock not entered. Upon further review, [Redacted]lid COC dated [redacted] present in file. Buyer Comment (2026-07-16): The transfer taxes increased as a result of a change in the loan amount during the loan process. Because the transfer taxes are calculated based on the applicable taxable amount, the increase in the loan amount resulted in a corresponding increase in the transfer taxes. This change was properly documented on the [redacted] Change of Circumstance (COC) and was a [Redacted]lid change in circumstance. The revised disclosure accurately reflected the updated transfer tax amount based on the revised loan amount. The fee disclosed on the Closing Disclosure reflects the final amount assessed. Based on the [Redacted]lid Change of Circumstance and the revised loan amount, we respectfully request that this condition be cleared. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225831343 | [Redacted] | [Redacted] | 36833288 | Credit | Guideline | Guideline Issue | Guideline | Property is a condo and guidelines require a structural milestone inspection. | Lender exception in file. Deferred maintenance on rails and catwalks need repairs as stated on question #[redacted]of HOA questionnaire. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Combined Loan to [Redacted]lue: [redacted]% Guideline Maximum Combined Loan to [Redacted]lue: [redacted]% Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-16): Please see attached exception which approves for us to proceed as is. |
07/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225832175 | [Redacted] | [Redacted] | 36828325 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | [redacted] Hazard Insurance Policy was not provided. | Reviewer Comment (2026-07-10): Received Hazard Insurance Policy with replacement cost estimator. Exception Cleared. Buyer Comment (2026-07-09): Hazard |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225832175 | [Redacted] | [Redacted] | 36828373 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. Sufficient or excess cure was not provided to the borrower at Closing. | Reviewer Comment (2026-07-10): [redacted]received [Redacted]lid COC dated [redacted] Buyer Comment (2026-07-09): CD with COC |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225832175 | [Redacted] | [Redacted] | 36828374 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee $[redacted]was not disclosed on Loan Estimate. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-07-23): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-22): Sent out today Buyer Comment (2026-07-22): PCCD with cure Reviewer Comment (2026-07-10): [redacted] received COC dated [redacted] however fee again increased on CD dated[redacted] from $[redacted]to $[redacted]. Please provide [Redacted]lid COC or cure of $[redacted]is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-09): CD with COC |
07/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225832175 | [Redacted] | [Redacted] | 36828682 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deed to document ownership transfer was not found in the file. | Reviewer Comment (2026-07-10): Received Deed. Exception Cleared. Buyer Comment (2026-07-09): Deed |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OH | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225832175 | [Redacted] | [Redacted] | 36828905 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Evidence of the borrower's e-consent was not found in the file. | Reviewer Comment (2026-07-10): [redacted] received e-consent dated [redacted] Buyer Comment (2026-07-09): eConsent |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225832229 | [Redacted] | [Redacted] | 36829174 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec [redacted] | Reviewer Comment (2026-07-13): UCDP Score is less than [redacted], No secondary [Redacted]luation is required. Exception cleared. Buyer Comment (2026-07-09): ucdp upld, please clear, cu is under [redacted] |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Pur[Redacted] | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225832229 | [Redacted] | [Redacted] | 36829225 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | [redacted] Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | [redacted] Broker notice document not provided in file. | Reviewer Comment (2026-07-13): Disclosure received and verified. Exception cleared Buyer Comment (2026-07-09): disclosure upld |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Pur[Redacted] | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225832229 | [Redacted] | [Redacted] | 36829226 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Final CD was provided at closing on [redacted]. | Reviewer Comment (2026-07-10): [redacted]received initial CDs Buyer Comment (2026-07-09): all initial cd's and tracking upld [redacted], [redacted], [redacted], and [redacted]) |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | No Defined Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225832229 | [Redacted] | [Redacted] | 36829227 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted]was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | LE was electronically signed on [redacted]. However, the electronic consent disclosure was not signed until [redacted]. | Reviewer Comment (2026-07-10): [redacted]received disclosure summary. Buyer Comment (2026-07-09): econsent accepted[redacted] and proof disclosures were also sent regular mail[redacted] upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225832229 | [Redacted] | [Redacted] | 36829229 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | HOA/Condo questionnaire fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225832233 | [Redacted] | [Redacted] | 36828793 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [redacted] or income worksheet is missing in file. | Reviewer Comment (2026-07-14): Receive UW income worksheet. Exception cleared. Buyer Comment (2026-07-10): worksheet Reviewer Comment (2026-07-07): Required 1084 or income worksheet to verify which accounts has been used for qualification. Exception Remains. Buyer Comment (2026-07-06): No income used, this loan is a asset qualifier. please cancel |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225832233 | [Redacted] | [Redacted] | 36828822 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] or income worksheet is missing in file. | Reviewer Comment (2026-07-14): Receive UW income worksheet. Exception cleared. Buyer Comment (2026-07-10): worksheet submitted Reviewer Comment (2026-07-07): Required 1084 or income worksheet to verify which accounts has been used for qualification. Exception Remains. Buyer Comment (2026-07-06): Asset qualifier, no income used |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225832233 | [Redacted] | [Redacted] | 36828823 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted] or income worksheet is missing in file. | Reviewer Comment (2026-07-14): Receive UW income worksheet. Exception cleared. Buyer Comment (2026-07-10): worksheet submitted Reviewer Comment (2026-07-07): Required 1084 or income worksheet to verify which accounts has been used for qualification. Exception Remains. Buyer Comment (2026-07-06): Asset qualifier, no income used |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225832233 | [Redacted] | [Redacted] | 36828824 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-17): [redacted]Received [Redacted]lid COC dated [redacted] and [redacted]. Buyer Comment (2026-07-16): COCs Reviewer Comment (2026-07-13): [redacted]Received [Redacted]lid COC dated [redacted] and [redacted]; however, COC missing borrower and loan details. Provide COC with loan and borrower details. Buyer Comment (2026-07-10): COCs Reviewer Comment (2026-07-08): [redacted]received rebuttal comment which is correct but there seems to be no COC for increase in fee on CD dated [redacted] and [redacted] present in file. In order to comply with § [redacted], creditors must retain records demonstrating compliance with the requirements of § [redacted](e) a COC document is required to re-baseline the fee. Please provide COCs for CDs dated [redacted] and[redacted]. Buyer Comment (2026-07-06): The increase in discount points is due to the loan amount increase which is a [Redacted]lid COC. Please cancel |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225832737 | [Redacted] | [Redacted] | 36831256 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provided lease agreement for the commercial unit, it has expired and is rolled month to month. However, [redacted]' proof of rent receipt was not provided in the loan file. Provide [redacted]' proof of rent receipt | Reviewer Comment (2026-07-15): Re[Redacted]lidated d[Redacted] from leases agreement and updated leases end date. Exception Cleared. Buyer Comment (2026-07-13): please clarify why [redacted]months rent is required. commercial lease is [Redacted]lid until [redacted] with the one year automatic extension (per section [redacted]of the lease). initial [redacted]years lease [redacted] - [redacted]; automatic extension [redacted] - [redacted]. in addition, per section [redacted], it states "the landlord cannot terminate te lease during the term" Reviewer Comment (2026-07-07): The lease agreement has expired and has been extended for an additional one year term. Require proof of rental payments for the most recent [redacted] months. Exception Remains. Buyer Comment (2026-07-06): please see commercial lease agreement doc [redacted]page [redacted] [redacted]for lease extension of [redacted]year after [redacted]year lease term |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225832867 | [Redacted] | [Redacted] | 36831141 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-07-02): Received hazard insurance with effective date[redacted] at closing. Exception cleared. Seller Comment (2026-06-30): HOI |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225832867 | [Redacted] | [Redacted] | 36831157 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in file. | Reviewer Comment (2026-07-02): Received fraud report. Exception cleared. Seller Comment (2026-06-30): LOAN SAFE REPORT |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225832867 | [Redacted] | [Redacted] | 36831189 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-07-02): Re-[Redacted]lidated cash from borrower as per closing disclosure. Exception cleared. Seller Comment (2026-06-30): ASSETS |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225832930 | [Redacted] | [Redacted] | 36830675 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is noted on the [redacted] and was approved at origination for [redacted]on credit history recently. Exception conditions are [redacted]% LTV max, DSCR [redacted] PPP, LOX for lates to be maintained, verification of assets from [redacted] to ensure borrower had enough funds at the time. Exception document was not found in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-01): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-29): exceptions |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 225833135 | [Redacted] | [Redacted] | 36831275 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-08): Received E-sign consent document for borrower and co-borrower. Exception Cleared. Buyer Comment (2026-07-07): econsent |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225833135 | [Redacted] | [Redacted] | 36831320 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to Lease Agreement not found for REO property [redacted]. | Reviewer Comment (2026-07-15): Received [Redacted] Buyer Comment (2026-07-13): air bnb report submitted Reviewer Comment (2026-07-08): Property #[redacted]is Air Bnb, Required Air Bnb report statement. Exception Remains. Buyer Comment (2026-07-07): [redacted] is an [Redacted], there is not lease. Please see loe from the borrower |
07/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225833135 | [Redacted] | [Redacted] | 36831321 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - REO [redacted] Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted] Method) using reasonably reliable third-party records. | Waterfall due to Lease Agreement not found for REO property [redacted]. | Reviewer Comment (2026-07-15): Received [Redacted] Buyer Comment (2026-07-13): air bnb Reviewer Comment (2026-07-08): Property #[redacted]is Air Bnb, Required Air Bnb report statement. Exception Remains. Buyer Comment (2026-07-07): [redacted] is an [Redacted], there is not lease. Please see loe from the borrower |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225833135 | [Redacted] | [Redacted] | 36831324 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to Lease Agreement not found for REO property [redacted]. | Reviewer Comment (2026-07-15): Received [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225833135 | [Redacted] | [Redacted] | 36834815 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225833138 | [Redacted] | [Redacted] | 36830921 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by $[redacted]due to Title - Loan Tie-in fee, Title - ALTA [redacted] fee and Title - notary fee not being disclosed until final CD. Title - Settlement/closing/escrow fee also increased from $[redacted]to $[redacted]with no [Redacted]lid change of circumstance or cure for borrower provided. | Reviewer Comment (2026-07-13): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-10): please see attached lox, pccd and check Reviewer Comment (2026-07-02): [redacted]acknowledged that the baseline amount should be $[redacted], with a [redacted]% tolerance threshold of $[redacted]. However, the total amount disclosed on the final CD was $[redacted](Title fees + Recording fee). Therefore, the fees exceeded the [redacted]% tolerance limit by $[redacted]. Please provide a refund cure along with the supporting cure documents to resolve this exception. Buyer Comment (2026-06-30): please review your baseline amounts. per initial LE and compliance report, we have more fees included. total tolerance fees should be $[redacted]+ [redacted]% = $[redacted] |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225833625 | [Redacted] | [Redacted] | 36831664 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument is signed and but not dated by all the borrowers. | Reviewer Comment (2026-08-04): Security Instrument is signed and dated, cleared Buyer Comment (2026-08-04): re-recorded mortgage with corrections to add dates |
08/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225838106 | [Redacted] | [Redacted] | 36835785 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The calculated DTI is [redacted]% however the bid tape reflect [redacted]%. An updated Bid tape for the DTI is required. | Reviewer Comment (2026-07-22): Received updated 1008 and DTI is matching. Exception cleared. Buyer Comment (2026-07-20): revised 1008 upld |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225838106 | [Redacted] | [Redacted] | 36840219 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted], not the borrowing individual, [redacted]. Please provide evidence that [redacted] has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-07-15): Received Deed is verified the title vesting, exception cleared. Buyer Comment (2026-07-14): please see business entity search on [redacted]and cpa on [redacted] Reviewer Comment (2026-07-14): Operating agreement for business entity "[redacted], an [redacted]Limited Liability Compa[Redacted]" is required to verify ownership of borrowing individual. Exception remains. Buyer Comment (2026-07-10): deed upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225838644 | [Redacted] | [Redacted] | 36841374 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Only [redacted] month of bank statements provided for account ending in [redacted]. Additionally, only $[redacted]a[Redacted]ilable for reserves. | Reviewer Comment (2026-07-16): Captured bank statements as per final 1003and verified. Exception cleared Buyer Comment (2026-07-15): Assets |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225838644 | [Redacted] | [Redacted] | 36841393 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to shortage of reserve funds | Reviewer Comment (2026-07-16): Captured bank statements as per final 1003and verified. Exception cleared |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838644 | [Redacted] | [Redacted] | 36841394 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Unable to confirm ATR as reserve requirements are not met | Reviewer Comment (2026-07-16): Captured bank statements as per final 1003and verified. Exception cleared |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838648 | [Redacted] | [Redacted] | 36835209 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee. Fee amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit, with no [Redacted]lid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-07-02): [redacted]received COC dated [redacted] Buyer Comment (2026-06-30): coc |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225839140 | [Redacted] | [Redacted] | 36832417 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-07): Received Title Preliminary Report is verified and associated, exception cleared. Buyer Comment (2026-07-02): please see title supplemental report doc [redacted]page [redacted], matches $[redacted] loan amount |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225839140 | [Redacted] | [Redacted] | 36832453 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225839161 | [Redacted] | [Redacted] | 36836708 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded due to Survey fee and Extension fee not being disclosed on initial Closing Disclosure. No [Redacted]lid Change of Circumstance was provided, and no evidence of cure was found in the file. | Reviewer Comment (2026-07-29): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-28): Please review the final CD that shows a lender credit for $[redacted]which includes [redacted]for Recording Fee and $[redacted]for Extension Fee. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225839161 | [Redacted] | [Redacted] | 36836709 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee was not present on the Loan Estimate but was present on the Closing Disclosure in the amount of $[redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-28): Please review the final CD that shows a lender credit for $[redacted]which includes [redacted]for Recording Fee and $[redacted]for Extension Fee. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225839161 | [Redacted] | [Redacted] | 36836710 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Survey amount of $[redacted]was not disclosed to borrower until Closing Disclosure provided on [redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): [redacted]received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-28): Please see attached correspondence from title compa[Redacted] confirming that the survey was required by them in order to issue title policy. I have updated the PCCD and provided the cover letter sent to the borrower with the updated PCCD. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225839161 | [Redacted] | [Redacted] | 37099493 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): Sufficient Cure Provided At Closing |
07/29/2026 | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225839161 | [Redacted] | [Redacted] | 37099494 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-29): Sufficient Cure Provided At Closing |
07/29/2026 | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225839170 | [Redacted] | [Redacted] | 36838242 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-07-10): Received EIN Document. Exception Cleared. Buyer Comment (2026-07-08): Please see attached copy of EIN number. Kindly remove condition Reviewer Comment (2026-07-02): An Employer Identification Number (EIN) is a required document. Exception Remains. Buyer Comment (2026-07-01): This is a DSCR loan. The borrower is not claiming a[Redacted] employment per page [redacted]on the [redacted]. Kindly remove condition |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225839170 | [Redacted] | [Redacted] | 36838270 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC for business entity is missing. | Reviewer Comment (2026-07-10): Received OFAC document. Exception Cleared. Buyer Comment (2026-07-08): This is a QM loan. The OFAC can be dated post closing per [redacted]guidelines. Kindly remove condition Reviewer Comment (2026-07-02): The provided OFAC search documentation is dated post-closing. Exception Remains. Buyer Comment (2026-07-01): Please see attached copy of OFAC to clear condition |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225839170 | [Redacted] | [Redacted] | 36845957 | Credit | Guideline | Guideline Issue | Guideline | Missing DSCR Calculation Worksheet per guidelines. | Reviewer Comment (2026-07-02): Received DSCR calculation worksheet document. Verified and updated details. Exception Cleared. Buyer Comment (2026-07-01): Please see attached copy of DSCR worksheet to clear condition |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 225840216 | [Redacted] | [Redacted] | 36840379 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec [redacted] | Appraisal was not found in file. | Reviewer Comment (2026-07-24): Received appraisal. Condition cleared. Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 225840216 | [Redacted] | [Redacted] | 36840419 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | FEMA disaster > [redacted] | Reviewer Comment (2026-07-24): Received appraisal. Cleared. Buyer Comment (2026-07-22): The referenced FEMA disaster, Severe Storms and Flooding (Disaster Declaration Date: [redacted]; Incident Period End Date: [redacted], occurred well outside the [redacted]-month period preceding the subject loan's closing date. As the disaster falls outside the applicable [redacted]-month review timeframe, no additional disaster documentation or re-verification is required. Please clear this condition. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 225840216 | [Redacted] | [Redacted] | 36840644 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-07-24): Received HUD. Condition cleared. Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 225840216 | [Redacted] | [Redacted] | 36840675 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal was not found in file. | Reviewer Comment (2026-07-24): Received appraisal. Cleared. Buyer Comment (2026-07-22): Waterfall |
07/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 225840216 | [Redacted] | [Redacted] | 36840831 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception: Is there a[Redacted] way we can get a [redacted]-year prepay rather than the approved [redacted]-year PP? (With this last approved exception item, we believe the borrower will be comfortable with moving forward.) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-30): Client elects to waive with compensating factors. |
06/30/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | |||||||||||
| 225840556 | [Redacted] | [Redacted] | 36835765 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]with no [Redacted]lid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-14): The increase in the appraisal fee resulted from a [Redacted]lid change in circumstances that occurred during loan processing. The final Closing Disclosure accurately reflects the actual appraisal fee charged. The appraisal fee is a bona fide third-party charge, and the borrower paid only the actual cost of the appraisal. There was no lender benefit associated with the increase, and the fee was fully disclosed on the Closing Disclosure. Based on the above, we respectfully request that this condition be cleared. Reviewer Comment (2026-07-09): [redacted]received rebuttal and appraisal order, however as per comment the change was identified on [redacted] and fee increased on [redacted] CD which is not within [redacted]days of change. Also, appraisal order provided only show status details and we are unable to verify the comment. Please provide legible copy of appraisal order and additional information why fee increased on [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-07): We were advised on [redacted] that the appraisal fee would be increasing by $[redacted]. AT that time a COC was done and the change was noted. Please clear condition. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225840556 | [Redacted] | [Redacted] | 36835766 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]with no [Redacted]lid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225840556 | [Redacted] | [Redacted] | 36977156 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225840556 | [Redacted] | [Redacted] | 36977157 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225840594 | [Redacted] | [Redacted] | 36846488 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Reviewer Comment (2026-07-07): Client used DSCR worksheet doc [redacted]. property is [Redacted]cant and uw utilized $[redacted]market rent from appraisal. DSCR is [redacted]Lease was from [redacted]-[redacted]. Buyer Comment (2026-07-06): please see uw DSCR worksheet doc [redacted]. property is [Redacted]cant and uw utilized $[redacted]market rent from appraisal. DSCR is [redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225840594 | [Redacted] | [Redacted] | 36981147 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: DSCR | Reviewer Comment (2026-07-16): Received the HOA Addendum for HOA verification and re[Redacted]lidated the HOA amount. Exception cleared. Buyer Comment (2026-07-15): Addendum - HOA Buyer Comment (2026-07-15): Upon further review, [redacted] is using incorrect HOA amount. Please see attached HOA Addendum showing monthly HOA of $[redacted]. True PITIA is $[redacted]. DSCR: [redacted]/ [redacted]= [redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225841073 | [Redacted] | [Redacted] | 36838595 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-07-06): Cleared. Received e-consent Buyer Comment (2026-07-02): please see attached econsent |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225841073 | [Redacted] | [Redacted] | 36880843 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-07-14): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-07-13): please clarify as doc [redacted]shows [redacted] econsent date, 1003 and LE signed [redacted] for B1. econsent date is[redacted] for B2, 1003 signed [redacted] |
07/14/2026 | No | 1 | A | A | A | A | A | NC | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225841073 | [Redacted] | [Redacted] | 36880874 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-14): [redacted]received appraisal ordered document with additional information for a [Redacted]lid Changed circumstance. Buyer Comment (2026-07-13): please see COC doc [redacted] and attached printout from appraisal website clarifying the increased appraisal fee to $[redacted] Buyer Comment (2026-07-13): please see COC doc [redacted]and attached printout from appraisal website clarifying the increased appraisal fee to $[redacted] |
07/14/2026 | No | 1 | A | A | A | A | A | NC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225842161 | [Redacted] | [Redacted] | 36838037 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Erroneous exception: Lenders DTI of [redacted]% (per [redacted]) is within tolerance of review DTI of [redacted]%. | Reviewer Comment (2026-07-21): Received updated 1008 and 1003 verified, exception cleared. Buyer Comment (2026-07-20): Updated 1008/1003 , biud tape requested to be updated |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225842161 | [Redacted] | [Redacted] | 36838142 | Credit | System | [Redacted] | Appraisal Reconciliation | [Redacted]luation address does not match Note address. | - | The appraisal address does not match the Note address. The Note reflects a unit number which is missing from the appraisal. | Reviewer Comment (2026-07-21): Received the Property Address Affidavit confirmation, exception cleared. Buyer Comment (2026-07-20): Address affidavit |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225842161 | [Redacted] | [Redacted] | 36838146 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The Hazard Insurance property address does not match the Note address. The Note reflects a unit number which is missing from the Insurance Policy. | Reviewer Comment (2026-07-21): Received the Property Address Affidavit confirmation, exception cleared. Buyer Comment (2026-07-20): See address affidavit |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225842161 | [Redacted] | [Redacted] | 36838149 | Credit | System | [Redacted] | System | Flood Certificate Subject Address does not match Note address. | The Flood Certificate property address does not match the Note address. The Note reflects a unit number which is missing from the Flood Certificate. | Reviewer Comment (2026-07-21): Received the Property Address Affidavit confirmation, exception cleared. Buyer Comment (2026-07-20): See address affidavit |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225842161 | [Redacted] | [Redacted] | 36838176 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to erroneous DTI exception: Lenders DTI of [redacted]% (per [redacted]) is within tolerance of review DTI of [redacted]%. | Reviewer Comment (2026-07-21): Received updated 1008 and 1003 verified, exception cleared. |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225842161 | [Redacted] | [Redacted] | 36838177 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to erroneous DTI exception: Lenders DTI of [redacted]% (per [redacted]) is within tolerance of review DTI of [redacted]%. | Reviewer Comment (2026-07-21): Received updated 1008 and 1003 verified, exception cleared. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225843149 | [Redacted] | [Redacted] | 36847944 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee increased to $[redacted] without a [Redacted]lid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-27): [redacted]Received revised LE dated [redacted] for COC dated [redacted]. Buyer Comment (2026-07-24): Please see COC for extension [redacted] in [redacted]and attached LE that corresponds to said COC; Proof LE sent to the borrower on[redacted]also attached. The lock in [redacted]shows there was an extension on [redacted]. Buyer Comment (2026-07-24): Please see COC for extension[redacted] in [redacted]and attached LE that corresponds to said COC; Proof LE sent to the borrower on[redacted]also attached. The lock in [redacted]shows there was an extension on[redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225843149 | [Redacted] | [Redacted] | 36847945 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee increased to $[redacted] without a [Redacted]lid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-04): Please see attached cure check, PCCD, Cover Letter and proof [redacted] delivered |
08/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225843796 | [Redacted] | [Redacted] | 36846590 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225843796 | [Redacted] | [Redacted] | 36846591 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225844293 | [Redacted] | [Redacted] | 36846725 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | The file is missing a copy of the executed Planned Unit Development Rider reflecting Planned Unit Development name '[redacted]' to be attached to the Security Instrument. | Reviewer Comment (2026-08-05): Corrective Scrivener's Affidavit and PUD Rider have been received. Exception cleared. Buyer Comment (2026-08-04): intent to re-record Buyer Comment (2026-08-04): Loan docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225844304 | [Redacted] | [Redacted] | 36846131 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal [redacted] missing. | Reviewer Comment (2026-07-15): Received Appraisal [redacted]and associated, Exception Cleared Buyer Comment (2026-07-14): Appraisal |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Pur[Redacted] | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225844304 | [Redacted] | [Redacted] | 36846134 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | Reviewer Comment (2026-07-15): Received Appraisal [redacted]after disaster and associated, Exception Cleared Buyer Comment (2026-07-14): See appraisal |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225844304 | [Redacted] | [Redacted] | 36846139 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount not provided. | Reviewer Comment (2026-07-15): Title policy received with coverage amount, exception cleared Buyer Comment (2026-07-14): Title |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225844304 | [Redacted] | [Redacted] | 36846143 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-15): Received UCDP Submission Summery and verified, Exception Cleared Buyer Comment (2026-07-14): Not required as SSR score of [redacted] |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Pur[Redacted] | D | A | D | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225845950 | [Redacted] | [Redacted] | 36861296 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. The file does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-16): [redacted]received [Redacted]lid COC document Buyer Comment (2026-07-14): ICD with COC |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225845950 | [Redacted] | [Redacted] | 36862040 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided e-sign consent document. | Reviewer Comment (2026-07-15): E-sign consent document associated. Exception Cleared. Buyer Comment (2026-07-14): eConsent |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845953 | [Redacted] | [Redacted] | 36848418 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Underwriter has used income of $[redacted] to qualify the borrower; however, the borrower has been qualified with an income of $[redacted]; the DTI has been changed to [redacted]%. | Reviewer Comment (2026-07-15): Bid Tape d[Redacted] has-been corrected for DTI. Exception cleared. Buyer Comment (2026-07-14): Bid tape is corrected, please clear Reviewer Comment (2026-07-09): Corrected 1008 received in file however d[Redacted] compare screen still needs to be corrected as bid tape is showing DTI as [redacted]% and field [Redacted]lue reflects [redacted]%. Exception remains. Buyer Comment (2026-07-08): 1008 Buyer Comment (2026-07-08): URLA |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845953 | [Redacted] | [Redacted] | 36848511 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $[redacted] are insufficient to meet cash to close of $[redacted]. | Reviewer Comment (2026-07-09): Final closing disclosure page [redacted]details verified and corrected. Reserve requirement met. Exception cleared. Buyer Comment (2026-07-08): The cash to close is only $[redacted]. Where are you getting $[redacted]? |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845953 | [Redacted] | [Redacted] | 36848584 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-09): The proof of appraisal delivery received and details verified. Exception cleared. Buyer Comment (2026-07-08): proof appraisal was sent submitted |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845953 | [Redacted] | [Redacted] | 36848593 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | No evidence that the borrower received a copy of the appraisal [redacted] business days prior to closing. | Reviewer Comment (2026-07-09): The proof of appraisal delivery received and details verified. Exception cleared. Buyer Comment (2026-07-08): appraisal received |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845953 | [Redacted] | [Redacted] | 36848612 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-07-15): Bid Tape d[Redacted] has-been corrected for DTI. Exception cleared. Buyer Comment (2026-07-14): Bid tape is corrected, please clear |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845953 | [Redacted] | [Redacted] | 36848613 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-07-09): Final closing disclosure page [redacted]details verified and corrected. Now Reserve requirement met. Exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845953 | [Redacted] | [Redacted] | 36848739 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Asset documentation requirements were not met. Exception added for missing documents. | Reviewer Comment (2026-07-09): Final closing disclosure page [redacted]details corrected. Reserve requirement met. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845953 | [Redacted] | [Redacted] | 36856509 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-15): Bid Tape d[Redacted] has-been corrected for DTI. Exception cleared. Buyer Comment (2026-07-14): Bid tape is corrected, please clear |
07/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225847205 | [Redacted] | [Redacted] | 36856305 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-07): E-Sign Consent Agreement received and associated. Exception cleared. Buyer Comment (2026-07-06): Please see attached copy of econsent to clear condition |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225847205 | [Redacted] | [Redacted] | 36856329 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI discrepancy due to lease agreement for REO property missing in file and rent amount reflected on [redacted] utilized with [redacted]% g[Redacted] rent. | Reviewer Comment (2026-08-10): Payment receipt updated for rental calculation. Exception cleared. Buyer Comment (2026-08-06): [redacted] is not is not a lease agreement. The property is an [Redacted] and receipts/ income were used during qualification. Kindly ree[Redacted]luate and remove conditions Reviewer Comment (2026-07-07): Required Lease Agreement for '[redacted]' to verify the monthly rent. Exception Remains. Buyer Comment (2026-07-06): Please see attached copy of VOR to clear conditions. Kindly remove conditions |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225847205 | [Redacted] | [Redacted] | 36856341 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised [Redacted]luation to applicant [redacted] business days prior to consummation. Revised [Redacted]luation reflects clerical change only, no impact to compliant HPML determination. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. | Reviewer Comment (2026-08-17): Document provided Buyer Comment (2026-08-13): Please see attached to clear condition Reviewer Comment (2026-08-13): Provide appraisal report which was delivered on [redacted] (Doc [redacted]). Exception remains. Buyer Comment (2026-08-12): Please see attached to clear condition Reviewer Comment (2026-08-11): Require acknowledgement receipt document of appraisal delivery (one of the box checked) from borrower end of the [Redacted]luation [redacted]days prior to closing date to clear the exception, date as provided document already a[Redacted]ilable and consider in file. Exception Remains. Buyer Comment (2026-08-10): Please see attached to clear condition Reviewer Comment (2026-07-08): Appraisals that are located in the file are dated after [redacted]. Buyer Comment (2026-07-06): Please see doc [redacted] page [redacted]. The reconsideration of [Redacted]lue was sent to the borrower on [redacted]. Kindly remove condition |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225847205 | [Redacted] | [Redacted] | 36856342 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to DTI discrepancy causing loan designation mismatch. | Reviewer Comment (2026-08-10): Payment receipt updated for rental calculation. Exception cleared. Reviewer Comment (2026-07-07): Required Lease Agreement for '[redacted]' to verify the monthly rent. Exception Remains. Buyer Comment (2026-07-06): waterfall |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225847205 | [Redacted] | [Redacted] | 36856343 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Reviewer Comment (2026-08-10): Payment receipt updated for rental calculation. Exception cleared. Reviewer Comment (2026-07-07): Required Lease Agreement for '[redacted]' to verify the monthly rent. Exception Remains. Buyer Comment (2026-07-06): waterfall |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225847205 | [Redacted] | [Redacted] | 36856344 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | ATR failure due to DTI discrepancy. | Reviewer Comment (2026-08-10): Payment receipt updated for rental calculation. Exception cleared. |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225847205 | [Redacted] | [Redacted] | 36856374 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-10): Payment receipt updated for rental calculation. Exception cleared. Reviewer Comment (2026-07-07): Required Lease Agreement for '[redacted]' to verify the monthly rent. Exception Remains. Buyer Comment (2026-07-06): waterfall |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225847232 | [Redacted] | [Redacted] | 36864937 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Reviewer Comment (2026-07-17): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-16): pccd docs with proof sent to bwr upld Reviewer Comment (2026-07-16): [redacted]: The non-escrowed HOA fee of [redacted] monthly was omitted from Pages [redacted] in the "Non-Escrowed Property Costs Over [redacted] Year" section and the tax, insurance and assessments are required by TRID regulations to be disclosed to borrower, if loan is subject to TRID testing and regulations and the loan was not allow to ignore that property costs, even if not escrowed, to not be disclosed to borrower on the CD. Regulation [redacted] speaks to the requirement and is then further referenced and explained in Section [redacted]The estimated amount the consumer is likely to pay during the first year after consummation for the mortgage-related obligations described in § [redacted] that are known to the creditor and that will not be paid using escrow account funds, labeled "-Escrowed Property Costs over Year [redacted]," together with a descriptive name of each such charge and a statement that the consumer may have to pay other costs that are not listed; A Corrected CD and LOE to borrower is required to disclose these costs on page [redacted] and then on page [redacted] within the non-escrowed costs section for proper disclosure to borrower. Buyer Comment (2026-07-15): please clarify what your are needing, only taxes are escrowed and they are on pages [redacted] & [redacted] of the cd Reviewer Comment (2026-07-14): No non-escrowed fees, (HOA, HOI, Walls - in) are accounted for on page [redacted] or [redacted]. Please provide PCCD and LOE to cure. Buyer Comment (2026-07-13): master policy showing all in coverage upld to trl docs, hoi escrows not required. |
07/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225847325 | [Redacted] | [Redacted] | 36856522 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds was not found in file. Please provide a corporate resolution, or articles of incorporation showing access to funds | Reviewer Comment (2026-07-15): Received Evidence of Access to Funds from account #[redacted] . Exception cleared. Buyer Comment (2026-07-14): cash flow Reviewer Comment (2026-07-09): Required cash flow analysis for the account #[redacted] or CPA letter confirm the Business funds will not adversely affect business Operations. Exception remains. Buyer Comment (2026-07-08): see [redacted] for the cash flow Reviewer Comment (2026-07-07): Require a CPA letter confirming that the use of business funds will not adversely affect business operations. Exception Remains. Buyer Comment (2026-07-06): corp |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225847340 | [Redacted] | [Redacted] | 36856655 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deed transferring the property to the borrower and spouse is missing. The proposed insured on the title does not match the title holders on the security instrument. | Reviewer Comment (2026-07-07): Client states: . There is no warranty deed adding the wife since they got married. This is a pur[Redacted], so chain of title does not include our borrowers. Which then places her on the deed as a vested party. The subject property is located in [Redacted] and our understanding is that it is a requirement under state law that the spouse consent to the mortgage in order for it to be perfected, regardless of whether or not they are a vested owner. Buyer Comment (2026-07-06): This is a pur[Redacted] there would be no previous warranty deed. Wife is not an obligor. She is vested in the property. Please rescind condition. |
07/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Pur[Redacted] | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856811 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount was not provided. | Reviewer Comment (2026-07-28): Supplemental Title report received with coverage amount, exception cleared. Buyer Comment (2026-07-24): Please see attached Title Report supplement showing policy amount of [redacted] |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856847 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to third-party verification is missing. | Reviewer Comment (2026-08-07): Verification of employment received for borrower's wage income. Exception cleared. Buyer Comment (2026-08-06): Please see attached VOE. The VOE is Post Note therefore please insure the loan is designated as QM APOR which does allow for post close VOEs Reviewer Comment (2026-07-28): Exception is due to missing VOE for the wage income of the borrower ([redacted]). Exception remains. Buyer Comment (2026-07-24): Condition says waterfall to Third Party Verification but no main condition for missing Third-Party Verification is listed. Please clarify what Thrid-Party Verification you are looking for as [redacted] is in [redacted], Not applicable for Sched C Business as borrower is no longer doing this business which is why it's not on the 1003. |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225847394 | [Redacted] | [Redacted] | 36856848 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | Waterfall due to third-party verification is missing. | Reviewer Comment (2026-08-07): Verification of employment received for borrower's wage income. Exception cleared. Buyer Comment (2026-08-06): Please see attached VOE. The VOE is Post Note therefore please insure the loan is designated as QM APOR which does allow for post close VOEs Reviewer Comment (2026-07-28): Exception is due to missing VOE for the wage income of the borrower [redacted]. Exception remains. Buyer Comment (2026-07-24): Please see [redacted] Personal tax return Extension |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856849 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Earnest Money Deposit of $[redacted] is unsourced. | Reviewer Comment (2026-07-28): Source of EMD funds received, exception cleared Buyer Comment (2026-07-24): Please see attached printout showing EMD came from [redacted] Acct #[redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856850 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to third-party verification is missing. | Reviewer Comment (2026-08-07): Verification of employment received for borrower's wage income. Exception cleared. |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856851 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Waterfall due to recent tax returns is missing. | Reviewer Comment (2026-08-07): Loan designation changed to Safe Harbor QM (APOR). Exception cleared. Buyer Comment (2026-08-06): Please clarify this condition, your restip is just the same verbiage that I input for my rebuttal. Reviewer Comment (2026-07-28): Condition says waterfall to missing tax return but no main condition for tax returns. Sched C is not a continuing business for [redacted] this is why it is not included on the 1003. [redacted] tax returns are not completed and the extension has been uploaded. Buyer Comment (2026-07-24): Condition says waterfall to missing tax return but no main condition for tax returns however, I'm not sure what is missing as [redacted] tax returns for [redacted] are in [redacted]. [redacted] Personal tax returns extension has been attached.. |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856852 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Waterfall due to recent tax returns is missing. | Reviewer Comment (2026-07-28): Income excluded, exception cleared Buyer Comment (2026-07-24): Condition says waterfall to missing tax return but no main condition for tax returns. Sched C is not a continuing business for [redacted] this is why it is not included on the 1003. [redacted] tax returns are not completed and the extension has been uploaded. |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856854 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee of $[redacted] was added to the Closing Disclosure dated [redacted]. A [Redacted]lid change of circumstance was not provided for the fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-27): [redacted] Received [Redacted]lid COC dated [redacted] Buyer Comment (2026-07-24): See attached COC for Lock Extension, corresponding CD found in [redacted]; Rate lock in [redacted]confirms lock extension on [redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225847394 | [Redacted] | [Redacted] | 36856863 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Earnest Money Deposit of $[redacted] is unsourced. | Reviewer Comment (2026-08-07): Verification of employment received for borrower's wage income. Exception cleared. Buyer Comment (2026-08-06): Please clarify. This condition is regarding unsourced EMD, but restip is for VOE Reviewer Comment (2026-07-28): Exception is due to missing VOE for the wage income of the borrower [redacted]. Exception remains. Buyer Comment (2026-07-24): Please see attached printout showing EMD came from [redacted] Acct #[redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856880 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Earnest Money Deposit of $[redacted] is unsourced. | Reviewer Comment (2026-07-28): Source of EMD funds received, exception cleared Buyer Comment (2026-07-24): Please see attached printout showing EMD came from [redacted] Acct #[redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225847394 | [Redacted] | [Redacted] | 36856881 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment was not found in file. | Reviewer Comment (2026-08-07): Verification of employment received for borrower's wage income. Exception cleared. Buyer Comment (2026-08-06): Please see attached VOE. The VOE is Post Note therefore please insure the loan is designated as QM APOR which does allow for post close VOEs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225847394 | [Redacted] | [Redacted] | 36865506 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted] business days of the Note. | - | Reviewer Comment (2026-08-07): Verification of employment received for borrower's wage income. Exception cleared. Buyer Comment (2026-08-06): Please see attached VOE. The VOE is Post Note therefore please insure the loan is designated as QM APOR which does allow for post close VOEs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225847394 | [Redacted] | [Redacted] | 37178382 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to loan designation re-stated to Safe Harbor QM (APOR). | Reviewer Comment (2026-08-07): Verification of employment received. Exception cleared. |
08/07/2026 | No | 1 | A | A | A | A | A | CA | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225847394 | [Redacted] | [Redacted] | 37179422 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | As per client loan designation re-stated to Safe Harbor QM (APOR). | Buyer Comment (2026-08-12): Waive exception - loan designation to QM APOR due to Post Close VVOE |
08/12/2026 | No | 2 | A | B | B | B | A | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225847394 | [Redacted] | [Redacted] | 37179423 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | [Redacted] QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. | Buyer Comment (2026-08-12): Waive Condition - [redacted] tax returns with [redacted] Extension provided. |
08/12/2026 | No | 2 | B | B | B | B | B | CA | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225847399 | [Redacted] | [Redacted] | 36856437 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD dated on Closing date is missing from the file. | Reviewer Comment (2026-07-28): Received Final closing statement. Exception cleared. Buyer Comment (2026-07-24): Please see attached Final Settlement Statement |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225847399 | [Redacted] | [Redacted] | 36856440 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | No document a[Redacted]ilable in file to determine whether the condo is warrantable or not. | Reviewer Comment (2026-07-30): Reviewed guidelines and confirmed that a 1-unit condominium within a 4-unit condo project is an eligible property type. Project eligibility remains subject to applicable [redacted]/[redacted] warrantability requirements or non-warrantable condo review, as applicable. Exception cleared. Buyer Comment (2026-07-28): Please review condo guidelines for 4-unit projects, they do not require appro[Redacted]l. Reviewer Comment (2026-07-28): Documentation for condo warrantable is required as property type is condominium. Exception remains. Buyer Comment (2026-07-24): Per Appraisal, Project only has [redacted] units. Check Guidelines as [redacted] unit projects do not require Condo Appro[Redacted]l |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225847561 | [Redacted] | [Redacted] | 36857335 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2026-07-07): Received hazard insurance document. Exception cleared. Buyer Comment (2026-07-06): please see attached hoi policy with effective dates [redacted], current at time loan closed on [redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225847975 | [Redacted] | [Redacted] | 36860429 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-07-08): Final closing statement associated. Exception cleared. Buyer Comment (2026-07-07): final settlement statement |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225849269 | [Redacted] | [Redacted] | 36861321 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage statement for the property [redacted]. is missing in file. | Reviewer Comment (2026-07-13): Final CD and Note provided Buyer Comment (2026-07-13): note/cd-[redacted] upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849269 | [Redacted] | [Redacted] | 36861323 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage statement for the property [redacted]. is missing in file. | Reviewer Comment (2026-07-13): Final CD and Note provided Buyer Comment (2026-07-13): note/cd-[redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849269 | [Redacted] | [Redacted] | 36861329 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement for the property [redacted] is missing in file. | Reviewer Comment (2026-07-13): Final CD and Note provided Buyer Comment (2026-07-13): note/cd=[redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849269 | [Redacted] | [Redacted] | 36861339 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement for the property [redacted] is missing in file. | Reviewer Comment (2026-07-13): Final CD and Note provided Buyer Comment (2026-07-13): note/cd-[redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849269 | [Redacted] | [Redacted] | 36861343 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement for the property [redacted]. is missing in file. | Reviewer Comment (2026-07-13): Final CD and Note provided Buyer Comment (2026-07-13): note/cd for [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849269 | [Redacted] | [Redacted] | 36861347 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement for the property [redacted]. is missing in file. | Reviewer Comment (2026-07-13): Final CD and Note provided Buyer Comment (2026-07-13): note/cd for [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849269 | [Redacted] | [Redacted] | 36861350 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement for the property [redacted] is missing in file. | Reviewer Comment (2026-07-13): Final CD and Note provided Buyer Comment (2026-07-13): note/cd - [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849269 | [Redacted] | [Redacted] | 36865582 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan purpose of 'cash out' on final [redacted] mismatches with 'rate term' reflected on provided [redacted] and rate lock document. Updated [redacted] required. | Reviewer Comment (2026-07-22): Cleared. the rate lock reflects rate/term refil. Buyer Comment (2026-07-20): our CD's reflect just "Refinance" for all refi products Reviewer Comment (2026-07-16): The Final CD ([redacted]) does not support the classification of this transaction as a cash-out refinance. Exception remains Buyer Comment (2026-07-15): please see lock on [redacted]reflecting cash-out refi, coc is on [redacted] Reviewer Comment (2026-07-13): The loan was Approved as a Rate & Term refinance per the Appro[Redacted]l in the file. We need a corrected application done as a Rate & Term refinance Buyer Comment (2026-07-13): revised 1008 iupld |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849626 | [Redacted] | [Redacted] | 36861027 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to Recording Fee Total Fee. No [Redacted]lid Change of Circumstance (COC) was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-07-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-07-07): this is credited on the final cd for the recording fee |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849626 | [Redacted] | [Redacted] | 36861028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on [redacted] Closing Disclosure with no [Redacted]lid change evident. | Reviewer Comment (2026-07-09): [redacted] received [Redacted]lid COC document Buyer Comment (2026-07-07): coc |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849626 | [Redacted] | [Redacted] | 36861029 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased on [redacted] Closing Disclosure with no [Redacted]lid change evident. | Reviewer Comment (2026-07-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-07-07): this was credited on the final cd |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849626 | [Redacted] | [Redacted] | 36861143 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. | - | Current employment starts on [redacted]. Lender exception approved for employment history of less than [redacted] years. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to [Redacted]lue: [redacted]% Guideline Maximum Combined Loan to [Redacted]lue: [redacted]% Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-01): Lender Exception with Compensating Factors provided. |
07/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Pur[Redacted] | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225849626 | [Redacted] | [Redacted] | 36865388 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception - The new pur[Redacted] is utilizing a [redacted] bridge for [redacted] FICO [redacted] and minimal consumer debt remaining outside of housing expense. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to [Redacted]lue: [redacted]% Guideline Maximum Combined Loan to [Redacted]lue: [redacted]% Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-01): Lender Exception with Compensating Factors provided. |
07/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Pur[Redacted] | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225849626 | [Redacted] | [Redacted] | 36921323 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | NC | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225849626 | [Redacted] | [Redacted] | 36921324 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | NC | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225849640 | [Redacted] | [Redacted] | 36862538 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA document is missing for property located at [redacted]. | Reviewer Comment (2026-07-08): HOA statement received for the property #[redacted]. Exception Cleared. Buyer Comment (2026-07-06): HOA letter |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849646 | [Redacted] | [Redacted] | 36874889 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Ground Lease not provided | Ground lease was not found in file. | Reviewer Comment (2026-07-15): Co-op. not required. Buyer Comment (2026-07-13): There is no ground lease. Please cancel in[Redacted]lid condition |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849650 | [Redacted] | [Redacted] | 36871298 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing warranty deed transferring ownership to business entity. | Reviewer Comment (2026-07-08): Received deed transferring ownership to business entity. Exception Cleared. Buyer Comment (2026-07-06): please see attached deed |
07/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225849651 | [Redacted] | [Redacted] | 36868560 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. | Reviewer Comment (2026-07-16): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-14): eConsent |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849651 | [Redacted] | [Redacted] | 36868562 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Assets are short for closing due to evidence of $[redacted] gift funds not found. Missing gift letter and evidence of gift funds transferred to closing agent. | Reviewer Comment (2026-07-16): Gift letter and wire received. Buyer Comment (2026-07-15): Gift receipt and letter |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849651 | [Redacted] | [Redacted] | 36868563 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Assets are short for closing and reserves due to evidence of $[redacted] gift funds not found. Missing gift letter and evidence of gift funds transferred to closing agent. | Reviewer Comment (2026-07-16): Gift letter and wire received. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849651 | [Redacted] | [Redacted] | 36868564 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | No assets are a[Redacted]ilable for reserves due to evidence of $[redacted] gift funds not found. Missing gift letter and evidence of gift funds transferred to closing agent. | Reviewer Comment (2026-07-16): Gift letter and wire received. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849651 | [Redacted] | [Redacted] | 36868569 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to assets and reserves requirements not met. | Reviewer Comment (2026-07-16): Gift letter and wire received. |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849651 | [Redacted] | [Redacted] | 36868570 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to assets and reserves requirements not met. | Reviewer Comment (2026-07-16): Gift letter and wire received. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849651 | [Redacted] | [Redacted] | 36868572 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to assets and reserves requirements not met. | Reviewer Comment (2026-07-16): Gift letter and wire received. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849652 | [Redacted] | [Redacted] | 37235556 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [redacted]% LTV vs max of [redacted]% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): . Reviewer Comment (2026-08-14): Client elects to waive with compensating factors. |
08/14/2026 | Yes | 2 | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | N/A | No | ||||||||||||||||
| 225849652 | [Redacted] | [Redacted] | 37235560 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for refinance of property de-listed after application date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): Client elects to waive with compensating factors. |
08/14/2026 | Yes | 2 | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | N/A | No | ||||||||||||||||
| 225849662 | [Redacted] | [Redacted] | 36868538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-07-27): [redacted] Received Initial LE dated [redacted]. Buyer Comment (2026-07-25): Please see attached Initial LE dated [redacted] along with proof LE was sent to borrower on the same day even though not signed until a later date. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849662 | [Redacted] | [Redacted] | 36868540 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-07-31): [redacted] received Post CD and LOX. Buyer Comment (2026-07-30): Please see attached Correspondence from title compa[Redacted] confirming that the survey was ordered by the [Redacted]. This was not a [redacted] fee. I have updated the PCCD moving survey to section [redacted] and provided the cover letter sent to borrower with PCCD Buyer Comment (2026-07-30): Please see attached Correspondence from title compa[Redacted] confirming that the survey was ordered by the [Redacted]. This was not a [redacted]fee. I have updated the PCCD moving survey to section [redacted] and provided the cover letter sent to borrower with PCCD |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849662 | [Redacted] | [Redacted] | 36875118 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI is excessive for lender exception due to REO negative equity of -$[redacted] was not correctly calculated into the DTI. | Reviewer Comment (2026-07-29): Re-[Redacted]lidated REO property information and DTI is within tolerance. Exception cleared. Buyer Comment (2026-07-25): The error is on your end. [redacted] is showing HOA dues for the [redacted] property twice (once as HOA dues and again as "other payment") Please remove the duplicate fee. Negative rents should reflect [redacted]. Calculated as follows: G[Redacted] rents [redacted]. I have updated the 1008/1003 to reflect the correct payment on the Owner Carry Second lien and have attached them. Buyer Comment (2026-07-25): The error is on your end. [redacted] is showing HOA dues for the [redacted] property twice (once as HOA dues and again as "other payment") Please remove the duplicate fee. Negative rents should reflect [redacted]. Calculated as follows: G[Redacted] rents [redacted] - PITI [redacted] - HOA [redacted]. I have updated the 1008/1003 to reflect the correct payment on the Owner Carry Second lien and have attached them. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849662 | [Redacted] | [Redacted] | 36875163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-29): Re-[Redacted]lidated REO property information and DTI is within tolerance. Exception cleared. Buyer Comment (2026-07-25): I believe this is a waterfall condition, please clear or clarify what is needed. |
07/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225849662 | [Redacted] | [Redacted] | 36875164 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI is excessive for lender exception due to REO negative equity of -$[redacted] was not correctly calculated into the DTI. | Reviewer Comment (2026-07-29): Re-[Redacted]lidated REO property information and DTI is within tolerance. Exception cleared. Buyer Comment (2026-07-25): The error is on your end. [redacted] is showing HOA dues for the [redacted] property twice (once as HOA dues and again as "other payment") Please remove the duplicate fee. Negative rents should reflect [redacted]. Calculated as follows: G[Redacted] rents [redacted]. I have updated the 1008/1003 to reflect the correct payment on the Owner Carry Second lien and have attached them. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849663 | [Redacted] | [Redacted] | 36870107 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in file. | Reviewer Comment (2026-07-10): Received and updated HOI policy for subject property. Exception cleared. Buyer Comment (2026-07-09): hoi upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849663 | [Redacted] | [Redacted] | 36870127 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing in file for REO property. | Reviewer Comment (2026-07-13): Received required documentation. Condition cleared. Buyer Comment (2026-07-13): tax bill upld Reviewer Comment (2026-07-13): As per Fraud report taxes are [redacted] and Insurance is [redacted], however 1003 shows total other payments of [redacted]. There is a difference of [redacted]. Please provide tax certificate or supporting document to verify remaining amount. Exception remains Buyer Comment (2026-07-10): hoi for [redacted] Reviewer Comment (2026-07-10): Provided insurance policy is for subject property. Require insurance policy for property [redacted]. Exception Remains. Buyer Comment (2026-07-09): hoi upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849663 | [Redacted] | [Redacted] | 36870129 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in file. | Reviewer Comment (2026-07-10): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-07-09): econsent and proof disclosures were also mailed upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849663 | [Redacted] | [Redacted] | 36870155 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is provided for insufficient tradelines for borrower. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-02): Pre approved exception |
07/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225849663 | [Redacted] | [Redacted] | 36870191 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Reviewer Comment (2026-07-13): Received evidence of disbursement date. Cleared. Buyer Comment (2026-07-10): final ss confirming loan disbursed [redacted] upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849667 | [Redacted] | [Redacted] | 36868682 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. | Reviewer Comment (2026-07-24): Re-[Redacted]lidated income and REO information. Exception cleared. Buyer Comment (2026-07-22): The difference in the ratio is -[redacted] due to rounding. Please clear condition. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849667 | [Redacted] | [Redacted] | 36868684 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-24): Re-[Redacted]lidated income and REO information. Exception cleared. Buyer Comment (2026-07-22): Waterfall |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225849667 | [Redacted] | [Redacted] | 36868688 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to, Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. | Reviewer Comment (2026-07-24): Re-[Redacted]lidated income and REO information. Exception cleared. Buyer Comment (2026-07-22): Waterfall |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849667 | [Redacted] | [Redacted] | 36881330 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception requested for [redacted]% LTV using blended income and assets for non-occupying applicants. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. | Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-24): Client elects to waive with compensating factors. Buyer Comment (2026-07-22): Please see attached. |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225849677 | [Redacted] | [Redacted] | 36866736 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee of $[redacted] was not disclosed to the borrower until the day before closing on [redacted]. | Reviewer Comment (2026-07-13): [redacted] received [Redacted]lid COC document. Buyer Comment (2026-07-09): Please see the lock that expired on [redacted]. That's the COC for the extension |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849677 | [Redacted] | [Redacted] | 36866737 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee of $[redacted] not disclosed to borrower until final CD. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-07-13): [redacted] received PCCD and LOE Buyer Comment (2026-07-09): Please see the attached PCCD, LOX, and proof it was sent to the borrower. Survey fee has been moved to section [redacted]. Additionally please review the sales contract around line [redacted] where it states the buyer is to pay for the survey making it a borrower - chosen fee. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849679 | [Redacted] | [Redacted] | 36871631 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Instrument is missing page [redacted]. | Reviewer Comment (2026-07-28): Received Security Instrument with all pages for the property. [Redacted]lue updated and Exception Cleared. Seller Comment (2026-07-27): full dot copy Reviewer Comment (2026-07-24): The issue here is the Security instrument is missing page [redacted]. Seller Comment (2026-07-24): Please have this escalated - [redacted] advised that if an affidavit and LOI was uploaded, that would be sufficient. Reviewer Comment (2026-07-24): Please Provide Security instrument with Rider - PUD included for the Property. Exception remains. Seller Comment (2026-07-22): affidavit and LOI |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225849679 | [Redacted] | [Redacted] | 36871689 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) PUD Rider was not provided. | The appraisal indicates the property is a PUD, however the Security instrument does not. A corrected Security Instrument and Pud rider will be required. Evidence the corrected Security instrument has been re-recorded will also be required. | Reviewer Comment (2026-07-28): Received Rider-PUD for the property. [Redacted]lue updated and Exception Cleared. Seller Comment (2026-07-24): Copy of PUD Rider Reviewer Comment (2026-07-24): Received LOI for PUD Rider. Please provide PUD Rider for the Property. Exception Remains. Seller Comment (2026-07-22): affidavit andLOI |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225849794 | [Redacted] | [Redacted] | 36868544 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Complete Fraud Report is missing in file. | Reviewer Comment (2026-07-24): Received Fraud Report is verified and associated, exception cleared. Buyer Comment (2026-07-22): Fraud Reviewer Comment (2026-07-17): Complete Fraud Report is missing in file. Buyer Comment (2026-07-15): disregard, uploaded to wrong condition Buyer Comment (2026-07-15): Exception |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849794 | [Redacted] | [Redacted] | 36881313 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Lender Exception provided in file for loan amount slightly exceeding $[redacted]M. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-07-24): Client elects to waive with compensating factors. Buyer Comment (2026-07-22): Exception allows loan amounts over [redacted] and up to [redacted] . final loan amount is [redacted]. Can we get this cleared or clarified ? Reviewer Comment (2026-07-17): Lender exception appro[Redacted]l provided for [redacted] loan amount vs [redacted] max loan amount for [redacted] LTV Alt Doc pur[Redacted] with [redacted] FICO. Buyer Comment (2026-07-15): Exception |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 225849803 | [Redacted] | [Redacted] | 36869422 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849803 | [Redacted] | [Redacted] | 36869423 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849803 | [Redacted] | [Redacted] | 36869424 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): notre& cd for [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849803 | [Redacted] | [Redacted] | 36869425 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849803 | [Redacted] | [Redacted] | 36869427 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849803 | [Redacted] | [Redacted] | 36869428 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849803 | [Redacted] | [Redacted] | 36869429 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-21): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-20): note & cd for [redacted] Reviewer Comment (2026-07-16): Mortgage statement is missing for the property #[redacted] to verify the PITI. Exception Remains. Buyer Comment (2026-07-15): note & cd for [redacted] |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225850872 | [Redacted] | [Redacted] | 36869019 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Calculated DTI matches with [redacted]; however, Bid tape DTI is [redacted]%, and it needs correction. | Reviewer Comment (2026-08-10): Bid Tape d[Redacted] updated. DTI matched the 1008. Buyer Comment (2026-08-06): Bid tape update has been requested Reviewer Comment (2026-07-20): A[Redacted]ilable 1008 is reflecting DTI [redacted] but Bid Tape is still reflecting DTI [redacted] which needs to be updated as DTI [redacted] to clear the condition. Exception remains. Buyer Comment (2026-07-16): Updated 1008, Requested bid tape correction |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225850872 | [Redacted] | [Redacted] | 36869049 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI mismatch in Bid Tape [Redacted]lue. | Reviewer Comment (2026-08-10): Bid Tape d[Redacted] updated. DTI matched the 1008. |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225850872 | [Redacted] | [Redacted] | 36869051 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI mismatch in Bid Tape [Redacted]lue. | Reviewer Comment (2026-08-10): Bid Tape d[Redacted] updated. DTI matched the 1008. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225850877 | [Redacted] | [Redacted] | 36869072 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) [Redacted] Subprime Loan (Ability to Repay not Verified) | [redacted] Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on a[Redacted] simultaneously-closed loans. | Reviewer Comment (2026-07-16): ATR requirements satisfied. Buyer Comment (2026-07-14): See [redacted]. Shows [Redacted] ATR. Just an alert about PPP. Note states no Prepayment charge. |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Pur[Redacted] | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225850877 | [Redacted] | [Redacted] | 36869073 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-07-30): Disclosure received. Buyer Comment (2026-07-28): Disclosure. Reviewer Comment (2026-07-16): [redacted]is the list of approved counselors, but missing the disclosure sent along with the list which states - "You should consider financial counseling prior to executing loan documents. The enclosed list of counselors is provided by the [redacted]." Buyer Comment (2026-07-14): See [redacted] and [redacted] |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Pur[Redacted] | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225850877 | [Redacted] | [Redacted] | 36869074 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the Banking Law. | Reviewer Comment (2026-07-16): Client elects to waive Reviewer Comment (2026-07-16): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-14): Please waive |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Pur[Redacted] | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225850877 | [Redacted] | [Redacted] | 36869075 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Greater than [redacted] Year ARM Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% is in excess of allowable threshold of [redacted] Market Rate [redacted]% + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-07-16): Client elects to waive Reviewer Comment (2026-07-16): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-14): Please waive |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Pur[Redacted] | No obvious cure. Cure provision under [Redacted] Subprime 6-m(7) appears to be limited to making a non-compliant [Redacted] Subprime loan into a compliant [Redacted] subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of [Redacted] Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225850877 | [Redacted] | [Redacted] | 36869076 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Reviewer Comment (2026-07-16): LE can be used. Buyer Comment (2026-07-14): See [redacted] |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Pur[Redacted] | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225850912 | [Redacted] | [Redacted] | 36868734 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure document was not found in file. | Reviewer Comment (2026-07-09): Received final HUD-1. Exception cleared. Buyer Comment (2026-07-07): HUD |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225850967 | [Redacted] | [Redacted] | 36869431 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to Third Party Verification, CPA Letter; Audited or Third Party Prepared YTD P&L or most recent year transcript or signed/dated tax return is not provided | Reviewer Comment (2026-08-31): Loan redesignated to SHQM per client Buyer Comment (2026-08-28): The loan is eligible for QM APOR which allows for Post Close VVOE/Third-Party docs. Please update designation and clear condition. Reviewer Comment (2026-08-28): Received third party verification, however the documents are dated post close and does not meet Non QM ATR requirements. Condition remains. Buyer Comment (2026-08-27): Please see attached letter from CPA confirming Start Date of Sched C Business. Reviewer Comment (2026-08-20): The documentation required is a reliable third party verification supporting the borrowers dates of employment and current status to satisfy ATR requirements. Buyer Comment (2026-08-18): We have proof the borrower is an [Redacted] without the [redacted] profile that was just provided for additional supporting documentation. Please see attached verification that borrower has been an [Redacted] since [redacted] for yet MORE documentation. Document confirms his education and admission to the Bar in [redacted] in [redacted] Buyer Comment (2026-08-18): We have proof the borrower is an [Redacted] without the [redacted] profile that was just provided for additional supporting documentation. Please see attached verification that borrower has been an [Redacted] since [redacted]for yet MORE documentation. Document confirms his education and admission to the Bar in [redacted] in [redacted] Reviewer Comment (2026-08-12): We cannot accept [redacted] profile. Required prior to closing third party verification Buyer Comment (2026-08-11): Please see attached rebuttal, [redacted] Profile and [redacted] listing Reviewer Comment (2026-08-06): Received an email from a CPA stating the income is likely to continue. The documentation required is a third party verification supporting the borrowers dates of operation and good standing. Once received, loan will be re-ran to determine compliance. Buyer Comment (2026-08-04): Please see attached emails from CPA confirming the borrowers Sched C business. The verification is post close therefore please designate loan as QM APOR which allows for post closing verification. |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225850967 | [Redacted] | [Redacted] | 36869432 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current [redacted] status using reasonably reliable third-party records. | Third Party Verification, CPA Letter; Audited or Third Party Prepared YTD P&L or most recent year transcript or signed/dated tax return is not provided | Reviewer Comment (2026-08-31): Loan redesignated to SHQM per client Buyer Comment (2026-08-28): The loan is eligible for QM APOR which allows for Post Close VVOE/Third-Party docs. Please update designation and clear condition. Reviewer Comment (2026-08-28): Received third party verification, however the documents are dated post close and does not meet Non QM ATR requirements. Condition remains. Buyer Comment (2026-08-27): Please see attached letter from CPA confirming Start Date of Sched C Business. Reviewer Comment (2026-08-20): The documentation required is a reliable third party verification supporting the borrowers dates of employment and current status to satisfy ATR requirements. Buyer Comment (2026-08-19): We have proof the borrower is an [Redacted] without the [redacted] profile that was just provided for additional supporting documentation. Please see attached verification that borrower has been an [Redacted] since [redacted] for yet MORE documentation. Document confirms his education and admission to the Bar in [redacted] in [redacted] Reviewer Comment (2026-08-12): We cannot accept [redacted] profile. Required prior to closing third party verification Buyer Comment (2026-08-11): Please see attached rebuttal, [redacted] Profile and [redacted] listing. Reviewer Comment (2026-08-06): Received an email from a CPA stating the income is likely to continue. The documentation required is a third party verification supporting the borrowers dates of operation and good standing. Once received, loan will be re-ran to determine compliance. Buyer Comment (2026-08-04): Please see attached emails from CPA confirming the borrowers Sched C business. The verification is post close therefore please designate loan as QM APOR which allows for post closing verification. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225850967 | [Redacted] | [Redacted] | 36869433 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Third Party Verification, CPA Letter; Audited or Third Party Prepared YTD P&L or most recent year transcript or signed/dated tax return is not provided | Reviewer Comment (2026-08-31): Loan redesignated to SHQM per client |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225850967 | [Redacted] | [Redacted] | 36869434 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. | Buyer Comment (2026-07-25): Condition waived as Extension is in file. |
07/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225850967 | [Redacted] | [Redacted] | 36869435 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-07-27): [redacted] Received [Redacted]lid COC dated [redacted]. Buyer Comment (2026-07-25): Please see attached COC showing fees added due to required lock extension. Lock in [redacted] confirms the fee added however a snip of the lock showing the change and fee has been included with the COC attached. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225850967 | [Redacted] | [Redacted] | 37412474 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] QM Provision Employment - Schedule C | [Redacted] QM: Unable to verify current [redacted] status using reasonably reliable third-party records. | Reviewer Comment (2026-09-01): Cleared. The post-closing CPA letter provided meets guideline requirements. |
09/01/2026 | No | 1 | A | A | A | A | A | MI | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225850967 | [Redacted] | [Redacted] | 37412475 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | [Redacted] QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Buyer Comment (2026-09-01): OK to waive [redacted] tax extension provided. |
09/01/2026 | No | 2 | B | B | B | B | B | MI | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225850967 | [Redacted] | [Redacted] | 37412477 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan redesignated to SHQM per client | Reviewer Comment (2026-09-01): Loan is SHQM(APOR) |
09/01/2026 | No | 1 | A | A | A | A | A | MI | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225850967 | [Redacted] | [Redacted] | 37429936 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan is SHQM(APOR) | Buyer Comment (2026-09-02): OK to Waive per CNR |
09/02/2026 | No | 2 | A | B | B | B | A | MI | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225850969 | [Redacted] | [Redacted] | 36868907 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Loan is to be securitized. Secondary [Redacted]luation is missing. | Reviewer Comment (2026-07-16): UCDP Submission Summary Report received and details updated. Exception cleared. Buyer Comment (2026-07-14): ucdp upld, cu score is under[redacted], cda not required |
07/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | KY | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225850969 | [Redacted] | [Redacted] | 36884923 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Esign document was not provided. | Reviewer Comment (2026-07-16): Esign document received and verified. Exception cleared. Buyer Comment (2026-07-14): econsent upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 225851009 | [Redacted] | [Redacted] | 36869762 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-17): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-16): Please see attached Reviewer Comment (2026-07-09): [redacted] Lender cure [redacted] provided at closing is applied for Credit report fee; however, Appraisal fee increased on LE dated [redacted] without [Redacted]lid COC. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-07-08): Please see final CD. Credit for this has already been given. Please clear condition. |
07/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225851009 | [Redacted] | [Redacted] | 36869763 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-09): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-07-08): Please see final CD. Credit for this has already been given. Please clear condition. |
07/09/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225851572 | [Redacted] | [Redacted] | 36868994 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide an updated policy reflecting minimum coverage of $[redacted] or provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-07-07): Received updated information regarding [redacted] insurance requirements. Condition cleared. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225852422 | [Redacted] | [Redacted] | 36869894 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | VVOE for [Redacted] was not provided. | Reviewer Comment (2026-07-23): Verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-21): please re-designate to QM. |
07/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225852422 | [Redacted] | [Redacted] | 36869896 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | VVOE for [Redacted] was not provided. | Reviewer Comment (2026-07-23): Verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-21): final voe upld to trl docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225852422 | [Redacted] | [Redacted] | 36869911 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE for [Redacted] was not provided. | Reviewer Comment (2026-07-23): Verification of employment received. Exception cleared. Buyer Comment (2026-07-21): final voe upld to trl docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225852422 | [Redacted] | [Redacted] | 36869912 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE for [Redacted] was not provided. | Reviewer Comment (2026-07-23): Verification of employment received. Exception cleared. Buyer Comment (2026-07-21): final voe upld |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225852422 | [Redacted] | [Redacted] | 36869913 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE for [Redacted] was not provided. | Reviewer Comment (2026-07-23): Document date corrected for verification of employment. Exception cleared. Buyer Comment (2026-07-21): final voe upld to trl docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225852422 | [Redacted] | [Redacted] | 36870042 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | VVOE for [Redacted] was not provided. | Reviewer Comment (2026-07-23): Verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-21): final voe upld to trl docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225852422 | [Redacted] | [Redacted] | 37049406 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan designation has been restated to Safe Harbor QM (APOR). | Buyer Comment (2026-07-28): ok to waive Reviewer Comment (2026-07-27): The exception is information to note the that the loan designation was restated. Buyer Comment (2026-07-23): please clear, this was re-designated to qm. |
07/28/2026 | No | 2 | A | B | B | B | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225852463 | [Redacted] | [Redacted] | 36869754 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225852463 | [Redacted] | [Redacted] | 36869755 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225852463 | [Redacted] | [Redacted] | 36869756 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225852467 | [Redacted] | [Redacted] | 36886497 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing evidence of several of mortgage payments on the subject from [redacted] - [redacted] | Reviewer Comment (2026-07-10): Mortgage was opened on [redacted], payment history a[Redacted]ilable from first payment date of [redacted] to closing month of [redacted]. Buyer Comment (2026-07-08): History |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225853593 | [Redacted] | [Redacted] | 36869495 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] Benefit award letter. Leave and Earnings statements in file do not evidence retirement benefit. | Reviewer Comment (2026-07-17): [Redacted] letter received and associated. Exception cleared. Buyer Comment (2026-07-16): [Redacted] letter |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 225853593 | [Redacted] | [Redacted] | 36869526 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee not provided in loan estimate. No [Redacted]lid Change of Circumstance (COC) in file. | Reviewer Comment (2026-07-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-22): PCCD with cure, sent out today |
07/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 225853593 | [Redacted] | [Redacted] | 36886793 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing [Redacted] Benefit award letter. Leave and Earnings statements in file do not evidence retirement benefit. | Reviewer Comment (2026-07-17): [Redacted] letter received and associated. Exception cleared. |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 225853593 | [Redacted] | [Redacted] | 36886794 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing [Redacted] Benefit award letter. Leave and Earnings statements in file do not evidence retirement benefit. | Reviewer Comment (2026-07-17): [Redacted] letter received and associated. Exception cleared. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 225853639 | [Redacted] | [Redacted] | 36869651 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender exception has been requested and approved for landlord experience. The borrower does not have a history of landlord experience and does not qualify for the waiver as required by the guideline, with the compensating factors of [redacted] FICO, Max LTV [redacted]%, and at least [redacted] points higher than the guideline maximum, and DSCR to remain at [redacted] or higher. A Letter of Explanation from the borrower confirmed that the withdrawal to [redacted] on the day after the rent payment was not a reimbursement or return of rent, clarifying the nature of their relationship, as required by the exception appro[Redacted]l provided in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Client elects to waive with compensating factors. |
07/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225853639 | [Redacted] | [Redacted] | 36869670 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment Schedule B Part I, item #[redacted], Sub-item #A reflects an Open judgment in the amount of $[redacted]; Sub-item #C reflects $[redacted]; and Sub-item #D reflects $[redacted]; and Sub-item #E reflects $[redacted]. Please provide evidence that the judgments have been satisfied and will not have a negative impact on the final title policy. | Reviewer Comment (2026-07-22): Cleared. Received correspondence from title compa[Redacted] stating that the judgments are not attached to the property. Buyer Comment (2026-07-17): please see attached judgement docs and email chain from title stating judgements are not attached to property Reviewer Comment (2026-07-16): Received signed borrower affidavits and confirmation from the title compa[Redacted] that the judgments will be removed from the Final Title Policy. Receipt of the Final Title Policy is still pending to clear the exception. Exception remains. Buyer Comment (2026-07-15): please clarify why FTP is required. i provided signed borrower affidavits and an email confirmation from title stating the judgements would not be on the FTP Reviewer Comment (2026-07-15): Received Email conversation stating Judgments will be removed in Final title Policy. Please Provide Final Title Policy with judgment does not have negative impact. Exception Remains. Buyer Comment (2026-07-14): please see attached email communication with tile regarding judgements being removed from FTP Reviewer Comment (2026-07-14): Received the affidavit; however, unable to determine whether the judgment pertains to the borrower. Please provide confirmation from the title compa[Redacted] that this judgment does not have negative impact the title. Exception Remains. Buyer Comment (2026-07-13): please see attached affidavit to clear judgements |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225853771 | [Redacted] | [Redacted] | 36869961 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC was signed by the borrower on [redacted] with an expiration date of [redacted]. Eligible expiration is [redacted]. | Reviewer Comment (2026-07-27): Received correct RTC signed by the borrower with the correct dates. Condition cleared. Buyer Comment (2026-07-23): revised rtc and confirmation from title it was revised at closing |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225853771 | [Redacted] | [Redacted] | 36886666 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225853801 | [Redacted] | [Redacted] | 36869835 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien pur[Redacted] transaction did not disclose a[Redacted] Seller paid fees/charges on page [redacted]. | Final Closing Disclosure [redacted] on a first lien pur[Redacted] transaction did not disclose a[Redacted] seller-paid fees/charges on page [redacted]. | Reviewer Comment (2026-07-14): [redacted] received seller CD and closing statement Buyer Comment (2026-07-13): Final settlement Statement Reviewer Comment (2026-07-13): [redacted] received rebuttal, the document referred to is seller CD with no seller paid fees but as per sales contract the seller is liable to pay City and County transfer taxes (Page# [redacted]). We required Final Seller/combined ALTA Settlement Statement to verify no fees paid by seller at closing. Buyer Comment (2026-07-09): please see [redacted] Reviewer Comment (2026-07-09): [redacted] received rebuttal comment. However, [redacted] also require copy of Final Seller Settlement Statement to verify the fees paid by seller at closing. Buyer Comment (2026-07-08): Per seller CD there was no seller costs so thats why there is no seller paid items |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225853820 | [Redacted] | [Redacted] | 36869235 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not provided to borrower within [redacted] business days of application. | Reviewer Comment (2026-07-31): [redacted] received initial LE. Buyer Comment (2026-07-29): please see attached invest memo and [redacted] LE (showing sent via usps) Reviewer Comment (2026-07-17): [redacted] received the Notice of Incomplete Application. However, the application date becomes [Redacted]lid and TRID testing for the application date is based on when either broker or creditor is in receipt of all [redacted] pieces of information that constitutes an application under TILA. The [redacted] pieces of information were provided by the borrower, and the loan originator accepted the application the timing begins on the date the originator (Broker) or borrower signed the application whichever is earlier. In this case the [redacted] pieces of information was provided and accepted by originator on [redacted] as per the initial application in the loan file. Hence, [redacted] also requires additional information with supporting documentation of the denial/withdrawal letter for the application dated [redacted], as that application was canceled and a new application was submitted on [redacted] for testing purposes or provide initial LE within [redacted] business days application dated [redacted] for testing. Buyer Comment (2026-07-15): please see attached notice of incomplete application. application taken on [redacted] was withdrawn and new application docs sent on [redacted] Reviewer Comment (2026-07-15): [redacted] received e-consent. However, we would require initial LE within [redacted] business days of initial application dated [redacted]. Buyer Comment (2026-07-14): please see attached econsent |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225853864 | [Redacted] | [Redacted] | 36869057 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title commitment in the file disclosed $[redacted] of title insurance coverage with a loan amount of $[redacted]. | Reviewer Comment (2026-07-13): Title commitment with sufficient coverage, cleared Buyer Comment (2026-07-10): title commitment |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Investment | Pur[Redacted] | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225854050 | [Redacted] | [Redacted] | 36870349 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-22): [redacted] received updated LE and LOX for rebuttal response with additional information for a [Redacted]lid Changed circumstance. Buyer Comment (2026-07-20): [redacted] LE Reviewer Comment (2026-07-14): [redacted] changed circumstance dated [redacted] present in file, but a corresponding LE/CD was not provided. Please provide LE/CD for further analysis. Buyer Comment (2026-07-13): trid rebuttal |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225854050 | [Redacted] | [Redacted] | 36870350 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-14): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-07-13): trid rebuttal submitted |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225854050 | [Redacted] | [Redacted] | 37039253 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | WV | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225854050 | [Redacted] | [Redacted] | 37039254 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | WV | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225854090 | [Redacted] | [Redacted] | 36870197 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. With no [Redacted]lid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-27): [redacted] Received [Redacted]lid COC dated [redacted] Buyer Comment (2026-07-25): Please see attached COC showing appraisal fee increased due to being over [redacted] million. COC and LE reissued on same date of notification of appraisal increase (invoice in [redacted] but screenshot attached.) |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225854090 | [Redacted] | [Redacted] | 36870198 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. With no [Redacted]lid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-27): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-07-25): Please review the final CD that shows a lender credit in the amount of [redacted] to cure this violation. |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225854090 | [Redacted] | [Redacted] | 37075992 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | CA | Second Home | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225854091 | [Redacted] | [Redacted] | 36870038 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Schedule E Only, Tax Verification are missing for property [redacted]. | Reviewer Comment (2026-07-14): Schedule E received, exception cleared. Buyer Comment (2026-07-10): tax return Reviewer Comment (2026-07-10): Verified and captured Insurance and Tax document received for property [redacted]. However, Schedule E is missing. Exception Remains. Buyer Comment (2026-07-08): REO docs |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854383 | [Redacted] | [Redacted] | 36872594 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates that there is a lender exception for the DSCR however the lender exception appro[Redacted]l document was not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-13): exception aprvl upld |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 225854383 | [Redacted] | [Redacted] | 36872646 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Lease Agreement not provided | The UW worksheet indicates that the property is leased however it it not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-20): Client elects to waive with compensating factors. Reviewer Comment (2026-07-20): Lender exception appro[Redacted]l provided for unaceptable proeprty type. ADUs should be subordinate in size to primary dwelling. Buyer Comment (2026-07-16): please see exception aprvl on [redacted] Reviewer Comment (2026-07-14): Received Notice to [Redacted]cant. If the market rent of [redacted] is used, the DSCR would be calculated as [redacted]. This result d[Redacted] discrepancy with DSCR as Lender DSCR [redacted], Review DSCR will be [redacted]. Exception Remains. Buyer Comment (2026-07-13): notice to [Redacted]cate upld |
07/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 225854385 | [Redacted] | [Redacted] | 36870730 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-07-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-27): Please see final CD where this credit has already been given. Please clear condition. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854385 | [Redacted] | [Redacted] | 37086388 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225854388 | [Redacted] | [Redacted] | 36870845 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225854388 | [Redacted] | [Redacted] | 36870846 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225854388 | [Redacted] | [Redacted] | 36870848 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. | Reviewer Comment (2026-07-20): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-07-17): please see attached lox, pccd & check |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225854395 | [Redacted] | [Redacted] | 36870784 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Difference in DTI is due to the discrepancy in the income used by lender which was not supported by the documents provided. | Reviewer Comment (2026-08-04): Asset utilization income used & exception cleared. Buyer Comment (2026-07-31): Please see updated 1008/1003 where we have added in Passive Income in the amount of [redacted]. Income is calculated from Net Proceeds less [redacted] (sorry our income calculator is corrupted so I can't provide a copy however this income calculation is based on guidelines. This additional income brings ratios to [redacted] which is within tolerance of our initial Bid-tape. Buyer Comment (2026-07-31): Please see updated 1008/1003 where we have added in Passive Income in the amount of [redacted]. Income is calculated from Net Proceeds less [redacted] reserves. [redacted] (sorry our income calculator is corrupted so I can't provide a copy however this income calculation is based on guidelines. This additional income brings ratios to [redacted] which is within tolerance of our initial Bid-tape. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225854395 | [Redacted] | [Redacted] | 36870804 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Difference in DTI is due to the discrepancy in the income used by lender which was not supported by the documents provided. | Reviewer Comment (2026-08-04): Asset utilization income used & exception cleared. Buyer Comment (2026-07-31): Please see updated 1008/1003 where we have added in Passive Income in the amount of [redacted] (sorry our income calculator is corrupted so I can't provide a copy however this income calculation is based on guidelines. This additional income brings ratios to [redacted] which is within tolerance of our initial Bid-tape. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225854395 | [Redacted] | [Redacted] | 36870857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan was agency approved with an Originator Loan Designation of Non-QM. However, the loan failed due to a DTI mismatch. | Reviewer Comment (2026-08-04): Asset utilization income used & exception cleared. Buyer Comment (2026-07-31): Please see updated 1008/1003 where we have added in Passive Income in the amount of [redacted]. Income is calculated from Net Proceeds less [redacted] (sorry our income calculator is corrupted so I can't provide a copy however this income calculation is based on guidelines. This additional income brings ratios to [redacted] which is within tolerance of our initial Bid-tape. |
08/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854395 | [Redacted] | [Redacted] | 36870858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Difference in DTI is due to the discrepancy in the income used by lender which was not supported by the documents provided. | Reviewer Comment (2026-08-04): Asset utilization income used & exception cleared. Buyer Comment (2026-07-31): Please see updated 1008/1003 where we have added in Passive Income in the amount of [redacted]. Income is calculated from Net Proceeds less [redacted] reserves. [redacted] proceeds - [redacted] reserves x [redacted] = [redacted] months = [redacted] (sorry our income calculator is corrupted so I can't provide a copy however this income calculation is based on guidelines. This additional income brings ratios to [redacted] which is within tolerance of our initial Bid-tape. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854395 | [Redacted] | [Redacted] | 36870859 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Difference in DTI is due to the discrepancy in the income used by lender which was not supported by the documents provided. | Reviewer Comment (2026-08-04): Asset utilization income used & exception cleared. Buyer Comment (2026-07-31): Please see updated 1008/1003 where we have added in Passive Income in the amount of [redacted]. Income is calculated from Net Proceeds less [redacted] reserves. [redacted] proceeds - [redacted] reserves x [redacted] = [redacted] months = [redacted] (sorry our income calculator is corrupted so I can't provide a copy however this income calculation is based on guidelines. This additional income brings ratios to [redacted] which is within tolerance of our initial Bid-tape. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854395 | [Redacted] | [Redacted] | 36891097 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a [Redacted]lid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-08-03): [redacted] received LOX for rebuttal response with additional information for a [Redacted]lid Changed circumstance. Buyer Comment (2026-07-31): Loan was originally reviewed as an FHA program which does not require a Review Appraisal. See COC dated [redacted]in [redacted]showing program changed. The new program requires a review appraisal and at the time the loan program changed the review appraisal fee was disclosed to borrower. Please see attached screen print to verify original program was FHA. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854396 | [Redacted] | [Redacted] | 36871451 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Homeowners Association Verification is missing for the property address [redacted]. | Reviewer Comment (2026-07-20): Received explanation from the borrower property #[redacted] [redacted] does not have hoa. Provided tax and insurance [Redacted]lues are matching with the 1003 document. Exception Cleared. Buyer Comment (2026-07-16): bwr email confirmation, no hoa upld |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854396 | [Redacted] | [Redacted] | 37011331 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225854397 | [Redacted] | [Redacted] | 36873772 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted] not the borrowing individual/s, [redacted] and [redacted]. Please provide evidence that [redacted] and [redacted] has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-07-08): Operating agreement ([redacted] and [redacted] ) a[Redacted]ilable in file for [redacted] shows [redacted] as part of it and Borrowers [redacted] has each [redacted] ownership. Exception Cleared. Buyer Comment (2026-07-06): please see warranty deed doc [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225856112 | [Redacted] | [Redacted] | 36871706 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to third-party verification is missing. | Reviewer Comment (2026-07-23): Lender exception appro[Redacted]l provided for use of severance pay income. |
07/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225856112 | [Redacted] | [Redacted] | 36871707 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | Unable to confirm receipt of severance payment through reliable third source | Reviewer Comment (2026-07-23): Lender exception appro[Redacted]l provided for use of severance pay income Buyer Comment (2026-07-22): Revised lender exception Reviewer Comment (2026-07-15): VVOE is required Within [redacted] business days of the note. Buyer Comment (2026-07-13): [redacted] is the employer's separation agreement. There's no usual vvoe since he's not currently employed there. [redacted]is the LOX explaining the income we used for this loan. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225856112 | [Redacted] | [Redacted] | 36871708 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to third-party verification is missing. | Reviewer Comment (2026-07-23): Lender exception appro[Redacted]l provided for use of severance pay income |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225856112 | [Redacted] | [Redacted] | 36871721 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to third-party verification is missing. | Reviewer Comment (2026-07-15): [redacted]provided |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225856112 | [Redacted] | [Redacted] | 36871722 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment was not found in file. | Reviewer Comment (2026-07-15): Severance contact has start and end date along with income [redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225856112 | [Redacted] | [Redacted] | 36871723 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The verification of employment was not found in file. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Client elects to waive with compensating factors. Reviewer Comment (2026-07-15): Lender exception appro[Redacted]l provied for Severence Income ending within [redacted] years. |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225856112 | [Redacted] | [Redacted] | 36871737 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The verification of employment was not found in file. | Reviewer Comment (2026-07-15): Lender exception appro[Redacted]l provided for Severence Income ending within [redacted] years. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225856112 | [Redacted] | [Redacted] | 36871738 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The verification of employment was not found in file. | Reviewer Comment (2026-07-15): Document [redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225856112 | [Redacted] | [Redacted] | 36978944 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | VVOE is required Within [redacted] business days of the note. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Client elects to waive with compensating factors. Reviewer Comment (2026-07-15): Lender exception appro[Redacted]l provied for Severence Income ending within [redacted] years. |
07/15/2026 | Yes | 2 | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225856112 | [Redacted] | [Redacted] | 37050816 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for severance income in question discontinues in [redacted] years rather than [redacted] years. Requesting exception to use $[redacted]/year or $[redacted]/month severance income per year. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-23): Client elects to waive with compensating factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225856112 | [Redacted] | [Redacted] | 37050921 | Credit | Guideline | Guideline Issue | Guideline | Borrower is not currently employed. | - | Lender exception appro[Redacted]l provided for severance income in question discontinues in [redacted] years rather than [redacted] years. Requesting exception to use $[redacted]/year or $[redacted]/month severance income per year. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-23): Client elects to waive with compensating factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225856112 | [Redacted] | [Redacted] | 37050958 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. | - | Lender exception provided for use of severance income for purposes of qualification. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-23): Client elects to waive with compensating factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225856117 | [Redacted] | [Redacted] | 36872569 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | [redacted] Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Reviewer Comment (2026-08-14): Received [Redacted] - Broker Notice - [redacted]. Exception cleared. Buyer Comment (2026-08-13): Addendum Buyer Comment (2026-08-13): Disclosure |
08/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225856117 | [Redacted] | [Redacted] | 36872570 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-07-16): [redacted] Received earliest E-Consent dated [redacted]. Buyer Comment (2026-07-16): eConsent |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225856117 | [Redacted] | [Redacted] | 36872582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-23): [redacted] received Post CD and LOX. Buyer Comment (2026-07-22): PCCD Reviewer Comment (2026-07-16): [redacted] Received rebuttal comment stating pest inspection is third party. Provide If the fee is third party fee, provide corrected PCCD and LOE moving the fee to section [redacted]. Buyer Comment (2026-07-16): please remove pest inspection fee from your zero tolerance calculations as it is a third party non apr fee |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225856279 | [Redacted] | [Redacted] | 36872699 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement was not found in file. | Reviewer Comment (2026-07-24): Received [redacted] loan Closing Disclosure. Exception cleared. Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225856279 | [Redacted] | [Redacted] | 36872733 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy was not found in file. | Reviewer Comment (2026-07-24): Received Hazard Insurance Policy. Exception cleared. Buyer Comment (2026-07-22): Please see attached. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225856279 | [Redacted] | [Redacted] | 36890602 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date was not provided. | Reviewer Comment (2026-07-24): A completed Self-Employed Business Narrative Form completed by a CPA verifying self-employment is acceptable. Exception cleared. Buyer Comment (2026-07-22): Please see CPA letter that is dated. Please clear condition. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225856279 | [Redacted] | [Redacted] | 36890614 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing third-party verification document date. | Reviewer Comment (2026-07-24): A completed Self-Employed Business Narrative Form completed by a CPA verifying self-employment is acceptable. Exception cleared. Buyer Comment (2026-07-22): Waterfall |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225856279 | [Redacted] | [Redacted] | 36890615 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Third-party verification document is missing the date. | Reviewer Comment (2026-07-24): A completed Self-Employed Business Narrative Form completed by a CPA verifying self-employment is acceptable. Exception cleared. Buyer Comment (2026-07-22): Waterfall |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225857006 | [Redacted] | [Redacted] | 36871986 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | No secondary appraisal was found in file. | Reviewer Comment (2026-07-28): Collateral Underwriter Score verified and updated from UCDP report. Exception cleared. Buyer Comment (2026-07-25): [redacted] Per guidelines if Collateral Underwriter provides a score of ≤ [redacted], the [Redacted]lue is considered supported, therefore secondary [Redacted]luation is not required. |
07/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225857006 | [Redacted] | [Redacted] | 36872005 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement was not found in file. | Reviewer Comment (2026-08-07): VOM provided for the verification of P&I. Exception cleared Buyer Comment (2026-08-06): Please see corrected 1008/1003 Reviewer Comment (2026-07-28): As per the VOM, document [redacted]reflects a P&I amount of [redacted], whereas the final 1003 shows a P&I amount of [redacted] for the property. An updated VOM, 1003, or 1008 is required to verify the correct P&I amount. Therefore, the exception remains Buyer Comment (2026-07-25): A VOM was provided in [redacted], tax [redacted], HOI in [redacted]and statement of no HOA in [redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225857006 | [Redacted] | [Redacted] | 36872046 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-07-28): The property is free and clear so HOI is not required. Exception cleared. Buyer Comment (2026-07-25): Property does not have a mortgage on the property, and the borrower has elected not to have HOI on the property. HOI is only a requirement if the property is mortgaged. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Pur[Redacted] | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225857013 | [Redacted] | [Redacted] | 36881337 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Please provide desk review report on subject. | Reviewer Comment (2026-07-09): Received field review. Exception cleared. Buyer Comment (2026-07-07): CDA |
07/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | ||||||||||||||
| 225857457 | [Redacted] | [Redacted] | 36873693 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for [redacted] Property. | Reviewer Comment (2026-07-16): Per credit report considered 2nd lien P&I, Exception Cleared Buyer Comment (2026-07-15): please see credit report for 2nd lien [redacted]showing [redacted] monthly pitia. Reviewer Comment (2026-07-15): Received Mortgage Statement of 1st lien. Please provide 2nd lien Mortgage Statement. Exception remains Buyer Comment (2026-07-14): please see doc [redacted]for reo [redacted] mortgage statement |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225857463 | [Redacted] | [Redacted] | 36876408 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No cure provided. | Reviewer Comment (2026-07-14): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-13): PCCD, LOX, Label and Check |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225857464 | [Redacted] | [Redacted] | 36875144 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee changed to $[redacted] on the Loan Estimate dated [redacted]. A [Redacted]lid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-28): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-27): please see attached lox, pccd & check Reviewer Comment (2026-07-16): [redacted] received appraiser comment and from the comments it looks like the rush was requested on sellers request and they are going to cover the cost however, as per CDs the fee was paid by buyer. In case if borrower has requested the rush of the appraisal, then in that case the borrower opted to choose the rush fee. Documentation needed, would be like some kind of borrower acknowledgment, such as communication log, etc. Must show borrower requested/required, and then is not a fee and not directly imposed by lender. Buyer Comment (2026-07-15): please see attached printout from appraiser website to support the appraisal fee increase |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225857464 | [Redacted] | [Redacted] | 36875145 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee $[redacted] was added to the Closing Disclosure dated [redacted]. A [Redacted]lid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-07): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
07/07/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225861929 | [Redacted] | [Redacted] | 36874870 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Missing income documentation for the borrower, VVOE not provided within [redacted] days of note dated [redacted] for the employer [redacted]. | Reviewer Comment (2026-07-22): Cleared. Borrower converted from W-2 to contract. Employer letter and VVOE located in the file for S-Corp. Buyer Comment (2026-07-20): borrower is a contract employee recently converted from w-2, contract provided should be sufficient to clear. Reviewer Comment (2026-07-17): Provide a VVOE for employer [redacted] within [redacted] business days of the note date. Buyer Comment (2026-07-15): please see employment contract on [redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861929 | [Redacted] | [Redacted] | 36874991 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing income documentation for the borrower, including VVOE, WVOE or W2 for the employer [redacted]. | Reviewer Comment (2026-07-22): Cleared. Borrower converted from W-2 to contract. Employer letter and VVOE located in the file for S-Corp. Buyer Comment (2026-07-20): borrower is a contract employee recently converted from w-2, contract provided should be sufficient to clear. Reviewer Comment (2026-07-17): Provide a VVOE for employer [redacted] within [redacted] business days of the note date. Buyer Comment (2026-07-15): please see employment contract on [redacted] |
07/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225861929 | [Redacted] | [Redacted] | 36874992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | Waterfall due to missing income documentation for the borrower, including VVOE, WVOE or W2 for the employer [redacted]. | Reviewer Comment (2026-07-22): Cleared. Borrower converted from W-2 to contract. Employer letter and VVOE located in the file for S-Corp. Buyer Comment (2026-07-20): borrower is a contract employee recently converted from w-2, contract provided should be sufficient to clear. Reviewer Comment (2026-07-17): Provide a VVOE for employer [redacted] within [redacted] business days of the note date. Reviewer Comment (2026-07-17): Provide a VVOE for employer [redacted] within [redacted]business days of the note date. Buyer Comment (2026-07-15): please see employment contract on [redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861929 | [Redacted] | [Redacted] | 36874993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing income documentation for the borrower, including VVOE, WVOE or W2 for the employer [redacted]. | Reviewer Comment (2026-07-22): Cleared. Borrower converted from W-2 to contract. Employer letter and VVOE located in the file for S-Corp. Buyer Comment (2026-07-20): borrower is a contract employee recently converted from w-2, contract provided should be sufficient to clear. Reviewer Comment (2026-07-17): Provide a VVOE for employer [redacted] within [redacted] business days of the note date. Buyer Comment (2026-07-15): please see employment contract on [redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861929 | [Redacted] | [Redacted] | 36875002 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to missing income documentation. | Reviewer Comment (2026-07-22): Cleared. Borrower converted from W-2 to contract. Employer letter and VVOE located in the file for S-Corp. |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861929 | [Redacted] | [Redacted] | 36875159 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Waterfall due to missing income documentation for the borrower, including VVOE, WVOE or W2 for the employer [redacted]. | Reviewer Comment (2026-07-17): The wrong condition was raised as WVOE instead of VVOE. Need VVOE within [redacted] business days of the Note date. Buyer Comment (2026-07-15): please see employment contract on [redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861929 | [Redacted] | [Redacted] | 37009152 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Provide a VVOE for employer [redacted] within [redacted] business days of the note date. | Reviewer Comment (2026-07-22): Cleared. Borrower converted from W-2 to contract. Employer letter and VVOE located in the file for S-Corp. Buyer Comment (2026-07-20): borrower is a contract employee recently converted from w-2, contract provided should be sufficient to clear. Reviewer Comment (2026-07-17): Provide a VVOE for employer [redacted] within [redacted]business days of the note date. |
07/22/2026 | No | 1 | A | A | A | A | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225861929 | [Redacted] | [Redacted] | 37042478 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-22): Cleared. Borrower converted from W-2 to contract. Employer letter and VVOE located in the file for S-Corp. |
07/22/2026 | No | 1 | A | A | A | A | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225861941 | [Redacted] | [Redacted] | 36878347 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | CBs employment contract has contingencies. Evidence is required that all contingencies have been met and also evidence of borrower's start date is required. | Reviewer Comment (2026-07-10): Projected income d[Redacted] updated correctly. Exception cleared. Buyer Comment (2026-07-08): Please see attached offer letter. The client started the position on [redacted]6 so she would not have received a paycheck yet. Please clear condition. |
07/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225861941 | [Redacted] | [Redacted] | 36878348 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank [redacted]): Unable to verify income due to, missing W-[redacted], Paystub, LES, ETS or WVOE. | CBs employment contract has contingencies. Evidence is required that all contingencies have been met and also evidence of borrower's start date is required. | Reviewer Comment (2026-07-10): Projected income d[Redacted] updated correctly. Exception cleared. Buyer Comment (2026-07-08): Waterfall |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861941 | [Redacted] | [Redacted] | 36878349 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | CBs employment contract has contingencies. Evidence is required that all contingencies have been met and also evidence of borrower's start date is required. In addition, a VVOE dated within [redacted] business days prior to closing was not included in the file. | Reviewer Comment (2026-07-10): Projected income d[Redacted] updated correctly. Exception cleared. |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861941 | [Redacted] | [Redacted] | 36878358 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CBs employment contract has contingencies. Evidence is required that all contingencies have been met and also evidence of borrower's start date is required. In addition, a VVOE dated within [redacted] business days prior to closing was not included in the file. | Reviewer Comment (2026-07-10): Projected income d[Redacted] updated correctly. Exception cleared. Buyer Comment (2026-07-08): Please see attached. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225861941 | [Redacted] | [Redacted] | 36878359 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE document was not provided in file. | Reviewer Comment (2026-07-10): Projected income d[Redacted] updated correctly. Exception cleared. Buyer Comment (2026-07-08): Waterfall |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861941 | [Redacted] | [Redacted] | 36878360 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | CBs employment contract has contingencies. Evidence is required that all contingencies have been met and also evidence of borrower's start date is required. In addition, a VVOE dated within [redacted] business days prior to closing was not included in the file. | Reviewer Comment (2026-07-10): Projected income d[Redacted] updated correctly. Exception cleared. Buyer Comment (2026-07-08): Waterfall |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861941 | [Redacted] | [Redacted] | 36878361 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | CBs employment contract has contingencies. Evidence is required that all contingencies have been met and also evidence of borrower's start date is required. In addition, a VVOE dated within [redacted] business days prior to closing was not included in the file. | Reviewer Comment (2026-07-10): Projected income d[Redacted] updated correctly. Exception cleared. Buyer Comment (2026-07-08): Waterfall |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861941 | [Redacted] | [Redacted] | 36892607 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of the final CD from the [redacted] Loan financing to very the [redacted] payment for reserve requirements. | Reviewer Comment (2026-07-10): Closing disclosure received & associated. Exception cleared. Buyer Comment (2026-07-08): Please see attached |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225862084 | [Redacted] | [Redacted] | 36881362 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Date is missing on business search document. | Reviewer Comment (2026-07-24): Received dated Business Search document is verified and associated, exception cleared. Buyer Comment (2026-07-22): Searched for business on [redacted] Reviewer Comment (2026-07-15): Business entity document does not have document date, required business entity document with the document date or required CPA letter. Exception Remains. Buyer Comment (2026-07-13): What document are you referring to? |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225862084 | [Redacted] | [Redacted] | 36881542 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement was not found for [redacted]. | Reviewer Comment (2026-07-15): Received closing disclosure instead of mortgage statement for the property #[redacted]. Exception Cleared. Buyer Comment (2026-07-13): CD for [redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225862084 | [Redacted] | [Redacted] | 36881646 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | [redacted] Rent Comparison was not provided. | Reviewer Comment (2026-07-15): Subject is an investment property and no rental income is used from the subject property, hence 1007 rent comparison schedule is not required. Exception Cleared. Buyer Comment (2026-07-13): No rental income is being used to qualify, 1007 not required |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225863325 | [Redacted] | [Redacted] | 36877710 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The review and [redacted] dit is [redacted]% however the bid tape reflects [redacted]%. | Reviewer Comment (2026-07-31): Bid tape d[Redacted] corrected to DTI of [redacted]. Exception Cleared. Buyer Comment (2026-07-29): please clear, bid tape has been updated. Reviewer Comment (2026-07-21): Calculated DTI is [redacted] using correct qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-07-20): revised 1003/1008 upld Reviewer Comment (2026-07-20): A[Redacted]ilable 1008 is reflecting DTI [redacted] but Bid Tape is still reflecting DTI [redacted] which needs to be updated as DTI [redacted] to clear the condition. Exception remains. Buyer Comment (2026-07-16): voe upld to trl docs |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225863325 | [Redacted] | [Redacted] | 36877735 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment for [redacted] was not provided. | Reviewer Comment (2026-07-20): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-07-16): voe upld |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225863325 | [Redacted] | [Redacted] | 36877736 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The verification of employment was required and was not provided. | Reviewer Comment (2026-07-20): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-07-16): voe upld to trl docs |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225863325 | [Redacted] | [Redacted] | 36877742 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to QM points and fees. | Reviewer Comment (2026-07-20): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-07-16): voe upld to trl docs |
07/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225863325 | [Redacted] | [Redacted] | 36877743 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | Waterfall due to QM points and fees. | Reviewer Comment (2026-07-20): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-07-16): voe upld to trl docs |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225863325 | [Redacted] | [Redacted] | 36877744 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to QM points and fees. | Reviewer Comment (2026-07-31): Bid tape d[Redacted] corrected to DTI of [redacted]. Exception Cleared. Buyer Comment (2026-07-29): please clear, bid tape has been updated. Reviewer Comment (2026-07-21): Calculated DTI is [redacted] using correct qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-07-20): revised 1003/1008 upld to trl docs Reviewer Comment (2026-07-20): A[Redacted]ilable 1008 is reflecting DTI [redacted] but Bid Tape is still reflecting DTI [redacted] which needs to be updated as DTI [redacted] to clear the condition. Exception remains. Buyer Comment (2026-07-16): voe upld to trl docs |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225863325 | [Redacted] | [Redacted] | 36877745 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to QM points and fees. | Reviewer Comment (2026-07-20): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225863325 | [Redacted] | [Redacted] | 36877749 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. The file does not contain a [Redacted]lid COC for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225863325 | [Redacted] | [Redacted] | 37019251 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to [redacted] DTI is [redacted]% however the bid tape reflects [redacted]%. | Reviewer Comment (2026-07-31): Bid tape d[Redacted] corrected to DTI of [redacted]. Exception Cleared. Buyer Comment (2026-07-29): please clear, bid tape has been updated. Reviewer Comment (2026-07-21): Calculated DTI is [redacted] using correct qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-07-20): revised 1003/1008 upld to rel docs |
07/31/2026 | No | 1 | A | A | A | A | A | WA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225863387 | [Redacted] | [Redacted] | 36892082 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided | Please provide a signed and dated HOA questionnaire. The document provided is missing signatures and date, which is incomplete. | Reviewer Comment (2026-07-20): Received email from HOA stating they only sign cover page and the questionnaire was completed by them, the cover sheet is signed. Exception cleared. Buyer Comment (2026-07-16): please see attached screen shot from our system showing the HOA letter and questionnaire together. letter from HOA Assoc states that they completed the questionnaire Reviewer Comment (2026-07-16): HOA questionnaire present in file not reflecting a[Redacted] confirmation at the bottom of the page. Required signed and dated HOA questionnaire. Exception remains. Buyer Comment (2026-07-15): please see email communication doc [redacted] pages [redacted] from HOA Mgmt compa[Redacted] stating "please use as confirmation the document was completed" when they were asked to sign the executed document Reviewer Comment (2026-07-15): HOA Questionnaire [redacted] is not signed and dated. Exception Remains. Buyer Comment (2026-07-14): please see condo cert doc [redacted] & [redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864874 | [Redacted] | [Redacted] | 36878233 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-14): Final title with sufficient coverage, cleared |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225864874 | [Redacted] | [Redacted] | 36884073 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Title policy amount of $[redacted] is less than the note amount of $[redacted] based on the preliminary title. | Reviewer Comment (2026-07-14): Final title with sufficient coverage, cleared Buyer Comment (2026-07-14): please see attached FTP |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225864874 | [Redacted] | [Redacted] | 36884084 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo questionnaire not provided in file. | Reviewer Comment (2026-07-16): Condo is warrantable and approved by [redacted], meets the limited review requirement per guidelines, exception cleared. Buyer Comment (2026-07-15): please clarify as condo questionnaire is not required on limited reviews, as per stated on condo certs Reviewer Comment (2026-07-14): Need documentation verifying the condo is warrantable. Documents provided do not suffice Buyer Comment (2026-07-13): please see condo docs [redacted] & [redacted] and [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225864896 | [Redacted] | [Redacted] | 36887093 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-10): Received UCDP with risk score [redacted]. Exception cleared. Buyer Comment (2026-07-08): Per [redacted] we don't require as the score is under [redacted] |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Primary | Pur[Redacted] | D | A | A | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225864896 | [Redacted] | [Redacted] | 36887097 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no change of circumstances, but a cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Pur[Redacted] | Final CD evidences Cure | D | A | A | A | A | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225864897 | [Redacted] | [Redacted] | 36883847 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Provide an additional bank statement to cover the cash to close and reserves requirement as there is a shortfall of $[redacted]. | Reviewer Comment (2026-07-13): Reserves not required by DU, exception cleared Buyer Comment (2026-07-09): please cancel, ths is a signature agency loan underwritten to du. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864897 | [Redacted] | [Redacted] | 36883886 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge is non-compliant under TRID as the disclosed amount is understated by $[redacted], exceeding the $[redacted] allowable tolerance. Re-disclosure or post-consummation cure required. | Reviewer Comment (2026-07-13): [redacted] received lender attestation confirming title-tax cert is one time and not life of loan service Buyer Comment (2026-07-10): please remove the [redacted] tax cert fee from the finance charge, title email confirming it is a one time fee upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864897 | [Redacted] | [Redacted] | 36883904 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Guidelines require [redacted] months' reserves; however, only [redacted] months' reserves are a[Redacted]ilable. | Reviewer Comment (2026-07-13): Reserves not required by DU, exception cleared Buyer Comment (2026-07-09): please cancel, this is a signature agency loan underwritten to du. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864897 | [Redacted] | [Redacted] | 36883926 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception due to reserves. | Reviewer Comment (2026-07-13): Reserves not required by DU, exception cleared Buyer Comment (2026-07-09): please cancel, ths is a signature agency loan underwritten to du. |
07/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864897 | [Redacted] | [Redacted] | 36883927 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall exception due to reserves. | Reviewer Comment (2026-07-13): Reserves not required by DU, exception cleared Buyer Comment (2026-07-09): please cancel, ths is a signature agency loan underwritten to du. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864904 | [Redacted] | [Redacted] | 36885051 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-28): Details verified and updated from verification of employment. Exception cleared Buyer Comment (2026-07-25): Please see [redacted] for VVOE dated [redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864904 | [Redacted] | [Redacted] | 36885062 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-28): Details verified and updated from verification of employment. Exception cleared Buyer Comment (2026-07-25): Please see [redacted] for VVOE dated [redacted] |
07/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864904 | [Redacted] | [Redacted] | 36885063 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-28): Details verified and updated from verification of employment. Exception cleared Buyer Comment (2026-07-25): Please see [redacted] for VVOE dated [redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864904 | [Redacted] | [Redacted] | 36885064 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864911 | [Redacted] | [Redacted] | 36900216 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | The vesting on the title does not match the borrower on the security instrument. | Reviewer Comment (2026-07-10): Updated title shows correct vesting. Buyer Comment (2026-07-08): Please see [redacted] which is the correct title commitment |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864925 | [Redacted] | [Redacted] | 36878394 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-07-22): [redacted] received [Redacted]lid COC dated [redacted] Buyer Comment (2026-07-20): ICD with COC |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864925 | [Redacted] | [Redacted] | 36878396 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Reviewer Comment (2026-07-22): Received Replacement Cost Estimator is verified and associated, exception cleared. Buyer Comment (2026-07-21): Current coverage of [redacted]covers the loan amount and is [redacted] of the current replacement cost . Can we get this cleared or clarified |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864926 | [Redacted] | [Redacted] | 36878375 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award Letter / Continuance Letter missing for Borrower [redacted]. | Reviewer Comment (2026-08-03): Award letter received. Buyer Comment (2026-07-30): b1 award letter upld Reviewer Comment (2026-07-21): Award/Continuance letter was missing for social security income [redacted] used to qualify. Exception remains. Buyer Comment (2026-07-20): please see statement on [redacted] and continuance lox on [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864926 | [Redacted] | [Redacted] | 36878377 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation mismatch due to Award Letter / Continuance Letter missing for Borrower [redacted]. | Reviewer Comment (2026-08-03): Award letter received. Buyer Comment (2026-07-30): b1 award letter upld to trl docs Reviewer Comment (2026-07-21): Award/Continuance letter was missing for social security income [redacted] used to qualify. Exception remains. Buyer Comment (2026-07-20): please see statement on [redacted] and continuance lox on [redacted] |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864926 | [Redacted] | [Redacted] | 36878378 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Award Letter / Continuance Letter missing for Borrower [redacted]. | Reviewer Comment (2026-08-03): Award letter received. Buyer Comment (2026-07-30): b1 award letter upld to trl docs Reviewer Comment (2026-07-21): Award/Continuance letter was missing for social security income [redacted] used to qualify. Exception remains. Buyer Comment (2026-07-20): please see statement on [redacted] and continuance lox on [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864926 | [Redacted] | [Redacted] | 36904408 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Discrepancy is due to file is missing either a pur[Redacted] or listing agreement or a letter of intent to sell the departure residence. The one in the file is not signed/dated | Reviewer Comment (2026-07-21): Received letter of intend to sell. DTI within tolerance. Exception cleared. Buyer Comment (2026-07-20): bwr lox stating intent to sell upld |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864926 | [Redacted] | [Redacted] | 36904416 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing either the pur[Redacted] or listing agreement or the letter of intent to sell the departure residence. | Reviewer Comment (2026-07-21): Received letter of intend to sell. Exception cleared. Buyer Comment (2026-07-20): bwr lox stating intent to sell upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864927 | [Redacted] | [Redacted] | 36866827 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for loan amount below $[redacted]0K is approved. Max LTV [redacted]% Max DTI [redacted]% | Borrower has worked in the same position for more than [redacted] years. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The refinance has decreased the borrower's monthly debt payments by [redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has worked in the same position for more than [redacted] years. Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Loan Purpose: [redacted] Monthly Debt Reduction: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): Client elects to waive with compensating factors. Buyer Comment (2026-08-12): Updated exception Reviewer Comment (2026-07-22): Unable to waive and down grade. Lender exception provided states one of the Exception conditions the max DTI is [redacted] . current DTI is over [redacted] Buyer Comment (2026-07-20): Exception |
08/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225864927 | [Redacted] | [Redacted] | 36878212 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance document not provided for property located at [redacted]. | Reviewer Comment (2026-07-21): Received Hazard insurance document of REO property "[redacted]. Exception Cleared. Buyer Comment (2026-07-20): Hazard |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864927 | [Redacted] | [Redacted] | 36878222 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-03): Sufficient Cure Provided At Closing |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864927 | [Redacted] | [Redacted] | 36878223 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal review fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-03): Sufficient Cure Provided At Closing |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225865277 | [Redacted] | [Redacted] | 36903882 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a current mortgage statement for this property | Reviewer Comment (2026-07-13): Received CD. Condition cleared. Seller Comment (2026-07-09): There is no mortgage statement yet since this property was just refinanced in [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225865361 | [Redacted] | [Redacted] | 36920347 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date is not provided on the Letter of Explanation; a document date is required for these letters. | Reviewer Comment (2026-07-13): Not required. Sufficient documentation was provided that is dated |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225865361 | [Redacted] | [Redacted] | 36920350 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business bank statements for a/c #[redacted] from [redacted] to [redacted] are not provided. We require these [redacted]-month bank statements for income calculation. Once statement received and reviewed, further conditions may apply. | Reviewer Comment (2026-08-06): Received [redacted]month business bank statement. Exception cleared. Buyer Comment (2026-08-04): please see attached [redacted] month [redacted]stmts for amounts listed on account summary doc [redacted] Reviewer Comment (2026-07-28): Required [redacted] -month business bank statement for acct #[redacted]to clear this condition. Exception remains. Buyer Comment (2026-07-24): Please see full [redacted] month bank summary doc [redacted] for [redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225865361 | [Redacted] | [Redacted] | 36920353 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Business bank statements for a/c #[redacted] from [redacted] to [redacted] are not provided. We require these [redacted]-month bank statements for income calculation. Once statement received and reviewed, further conditions may apply. | Reviewer Comment (2026-08-06): Received [redacted]month business bank statement. Exception cleared. Buyer Comment (2026-08-04): please see attached [redacted] month [redacted]stmts for amounts listed on account summary doc [redacted] Reviewer Comment (2026-07-28): Required [redacted] -month business bank statement for acct #[redacted]to clear this condition. Exception remains. Buyer Comment (2026-07-24): Please see full [redacted] month bank summary doc [redacted] for [redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225865361 | [Redacted] | [Redacted] | 36920383 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing bank statements for acciount #[redacted] from [redacted] to [redacted]. | Reviewer Comment (2026-08-06): Received [redacted]month business bank statement. Exception cleared. Buyer Comment (2026-08-04): please see attached [redacted] month [redacted]stmts for amounts listed on account summary doc [redacted] Reviewer Comment (2026-07-28): Required [redacted] -month business bank statement for acct #[redacted]to clear this condition. Exception remains. Buyer Comment (2026-07-24): Please see full [redacted] month bank summary doc [redacted] for [redacted] |
08/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225865361 | [Redacted] | [Redacted] | 36920384 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Business bank statements for account #[redacted] from [redacted] to [redacted] were not provided. [redacted]-month bank statements are required. | Reviewer Comment (2026-08-06): Received [redacted]month business bank statement. Exception cleared. Buyer Comment (2026-08-04): please see attached [redacted]month[redacted] stmts for amounts listed on account summary doc [redacted] Reviewer Comment (2026-07-28): Required [redacted] -month business bank statement for acct #[redacted]to clear this condition. Exception remains. Buyer Comment (2026-07-24): Please see full [redacted] month bank summary doc [redacted] for [redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225865361 | [Redacted] | [Redacted] | 36920388 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-28): Assets a[Redacted]ilable for closing is sufficient to cover cash from borrower. Exception cleared. Buyer Comment (2026-07-24): please see appraisal invoice doc [redacted] page [redacted]showing paid by [redacted] and not the borrower; please see renewal hoi policy doc [redacted] current at the time the loan closed showing eff dates [redacted]. this policy was paid in [redacted] when policy was renewed and not recently. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225865361 | [Redacted] | [Redacted] | 36964894 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Business bank statements for account #[redacted] from [redacted] to [redacted] are not provided. We require these [redacted]-month bank statements for income calculation. Once statement received and reviewed, further conditions may apply. | Reviewer Comment (2026-08-06): Received [redacted]month business bank statement. Exception cleared. Buyer Comment (2026-08-04): please see attached [redacted]month[redacted] stmts for amounts listed on account summary doc [redacted] Reviewer Comment (2026-07-28): Required [redacted] -month business bank statement for acct #[redacted]to clear this condition. Exception remains. Buyer Comment (2026-07-24): Please see full [redacted] month bank summary doc [redacted] for [redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225865361 | [Redacted] | [Redacted] | 36964907 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Business bank statements for account #[redacted] from [redacted] to [redacted] were not provided. [redacted]-month bank statements are required.. | Reviewer Comment (2026-08-06): Received [redacted]month business bank statement. Exception cleared. Buyer Comment (2026-08-04): please see attached [redacted]month [redacted] stmts for amounts listed on account summary doc [redacted] Reviewer Comment (2026-07-28): Required [redacted] -month business bank statement for acct #[redacted]to clear this condition. Exception remains. Buyer Comment (2026-07-24): Please see full [redacted] month bank summary doc [redacted] for [redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225865361 | [Redacted] | [Redacted] | 36964950 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Reviewer Comment (2026-08-06): Received revised 1008. DTI matching with bid tape. Exception cleared. Buyer Comment (2026-08-04): 1008 to match bid tape DTI |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225865362 | [Redacted] | [Redacted] | 36878190 | Credit | Document Inventory | [Redacted] | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing. | Reviewer Comment (2026-07-17): Final 1003 associated. Exception cleared. Buyer Comment (2026-07-15): taxpayer consent is part of 1003 Section [redacted] #[redacted] |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Pur[Redacted] | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225865414 | [Redacted] | [Redacted] | 36878802 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification not provided for property located at [redacted]. | Reviewer Comment (2026-07-24): Property is free and clear, no mortgage required. Exception cleared. Buyer Comment (2026-07-22): The insurance is not required to be documented since we aren't using income from that property. Reviewer Comment (2026-07-15): Please provide Insurance verification or Letter of Explanation stating there is no insurance on property [redacted]. Exception remains Buyer Comment (2026-07-14): No mortgage, insurance not required |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225865414 | [Redacted] | [Redacted] | 36878872 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was disclosed on the initial CD as $[redacted], but on the final Closing Disclosure as $[redacted]. The file does not contain a [Redacted]lid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-16): [redacted] received COC dated[redacted] and rate locks. Buyer Comment (2026-07-14): lock rebuttal |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225865787 | [Redacted] | [Redacted] | 36906033 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Difference in DSCR is due to using lower of actual [Redacted] income as opposed to estimated revenue on [Redacted]. Verified via DSCR worksheet. | Reviewer Comment (2026-07-10): Updated DSCR worksheet received. Information re[Redacted]lidated and verified. Exception cleared. Buyer Comment (2026-07-09): DSCR |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225866203 | [Redacted] | [Redacted] | 36878496 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure from new [redacted] loan. | Reviewer Comment (2026-07-28): Received Closing Disclosure. Exception cleared. Buyer Comment (2026-07-25): Please see attached CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225866203 | [Redacted] | [Redacted] | 36878497 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure from new [redacted] loan. | Reviewer Comment (2026-07-28): Received Closing Disclosure. Exception cleared. Buyer Comment (2026-07-25): Please see attached CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225866203 | [Redacted] | [Redacted] | 36878503 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure from new [redacted] loan. | Reviewer Comment (2026-07-28): Received Closing Disclosure. Exception cleared. Buyer Comment (2026-07-25): Please see attached CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225866203 | [Redacted] | [Redacted] | 36905861 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing REO documents for #[redacted], #[redacted] and # [redacted]. | Reviewer Comment (2026-07-28): Received Closing Disclosure. Exception cleared. Buyer Comment (2026-07-25): Sorry my ability to mind read is not working today. Please provide color to this extremely [Redacted]gue condition or clear if the previously uploaded documentation meets the requirements. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225866225 | [Redacted] | [Redacted] | 36878759 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception condition: - MAC [redacted]% LTV/CLTV - [redacted] per the rate sheet. - Subject to meeting all other [Redacted] guideline requirements. A[Redacted] loan attribute limit listed above is a requirement to maintain the exception appro[Redacted]l. Lender exception approved for: Property: Non-Warrantable Condo - Non-warrantable due to ongoing critical repairs. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] uidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-08): Client elects to waive with compensating factors. |
07/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Pur[Redacted] | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225866331 | [Redacted] | [Redacted] | 36885372 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-07-14): Full repair cost indicated, cleared Buyer Comment (2026-07-14): [redacted]is the insurance email explaining they have full repair cost. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225866331 | [Redacted] | [Redacted] | 36885395 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-07-14): Final Title Policy with sufficient coverage, cleared |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225866331 | [Redacted] | [Redacted] | 36885396 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-14): Final Title Policy with sufficient coverage, cleared Buyer Comment (2026-07-14): title |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225866488 | [Redacted] | [Redacted] | 36879903 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower closing. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225867002 | [Redacted] | [Redacted] | 36881543 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-31): Received missing statement. Cleared. Buyer Comment (2026-07-30): [redacted] statement upld |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225867002 | [Redacted] | [Redacted] | 36881651 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing business bank statement for [redacted]. | Reviewer Comment (2026-07-31): Received missing statement. Cleared. Buyer Comment (2026-07-30): [redacted] statement upld to trl docs |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225867002 | [Redacted] | [Redacted] | 36881652 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing business bank statement for [redacted]. | Reviewer Comment (2026-07-31): Received missing statement. Cleared. Buyer Comment (2026-07-30): [redacted] statement upld to trl docs |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225867002 | [Redacted] | [Redacted] | 36881654 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-31): Received missing statement. Cleared. Buyer Comment (2026-07-30): [redacted] statement upld to trl docs |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225867002 | [Redacted] | [Redacted] | 36881655 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Disbursement dated [redacted] for subject loan is prior to [redacted] business days from transaction date of [redacted]. | Reviewer Comment (2026-07-27): Received final Alta statement. Condition cleared. Buyer Comment (2026-07-23): certified copy of final ss upld, they don't get signed in [redacted]or [redacted] Reviewer Comment (2026-07-22): The provided Closing Statement is not signed or dated. Provide an updated signed and dated Closing Statement. Exception remains. Buyer Comment (2026-07-21): the final settlement from the title compa[Redacted] on [redacted]confirms the loan disbursed on[redacted], this is sufficient to clear. Reviewer Comment (2026-07-17): The RTC transaction date is [redacted], with an expiration date of [redacted]. However, the disbursement was made on [redacted], which is earlier than the RTC eligible disbursement date of [redacted], please provide corrected closing disclosure. Exception Remains. Buyer Comment (2026-07-16): please see final settlement statement confirming loan disbursed [redacted] on [redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225867002 | [Redacted] | [Redacted] | 36881659 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | FICO score of [redacted] is less than guideline representative FICO score of [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Borrower has been employed in the same industry for more than [redacted] years. | Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-20): Client elects to waive with compensating factors. Reviewer Comment (2026-07-20): Lender exception appro[Redacted]l provided for max LTV of [redacted]% on rate/term refi. Buyer Comment (2026-07-16): exception aprvl upld |
07/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225867002 | [Redacted] | [Redacted] | 36881660 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-31): Received missing statement. Cleared. Buyer Comment (2026-07-30): [redacted] statement upld to trl docs |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225867002 | [Redacted] | [Redacted] | 36881684 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business bank statement for [redacted] was not provided. | Reviewer Comment (2026-07-31): Received missing statement. Cleared. Buyer Comment (2026-07-30): [redacted] statement upld to trl docs |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225867002 | [Redacted] | [Redacted] | 37129437 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for LTV of [redacted]% with a score of [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Borrower has been employed in the same industry for more than [redacted] years. | Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-31): Client elects to waive with compensating factors. |
07/31/2026 | Yes | 2 | B | B | B | B | B | AZ | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225867350 | [Redacted] | [Redacted] | 36885519 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Reviewer Comment (2026-07-15): Note and Closing Disclosure received for [redacted]Lien. Exception cleared Buyer Comment (2026-07-14): note |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225867350 | [Redacted] | [Redacted] | 36885544 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | File is missing the final CD from the [redacted]. | Reviewer Comment (2026-07-15): Closing Disclosure received for [redacted]Lien. Exception cleared Buyer Comment (2026-07-14): final cd from other lien |
07/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225867350 | [Redacted] | [Redacted] | 36885546 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Closing statement/HUD document is missing to verify proceeds from [redacted]. | Reviewer Comment (2026-07-15): Closing Disclosure received for [redacted]Lien. Exception cleared Buyer Comment (2026-07-14): Final CD from [redacted]lien submitted |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225867350 | [Redacted] | [Redacted] | 36885547 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non-Escrowed Property Costs over Year [redacted] on Final Closing Disclosure provided on [redacted] are under-disclosed. | Reviewer Comment (2026-07-15): [redacted]received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-14): PCCD |
07/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225867350 | [Redacted] | [Redacted] | 36885564 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Closing statement/HUD document is missing to verify proceeds from [redacted]. | Reviewer Comment (2026-07-15): Closing Disclosure received for [redacted]Lien. Exception cleared |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225867350 | [Redacted] | [Redacted] | 36885663 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing statement/HUD document is missing to verify proceeds from [redacted]. | Reviewer Comment (2026-07-15): Closing Disclosure received for [redacted]Lien. Exception cleared |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225867350 | [Redacted] | [Redacted] | 36885776 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Closing statement/HUD document is missing to verify proceeds from [redacted]. | Reviewer Comment (2026-07-15): Closing Disclosure received for [redacted]Lien. Exception cleared |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225868059 | [Redacted] | [Redacted] | 36920575 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Testing | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose an Amount Financed on page [redacted]. | Final Closing Disclosure [redacted] page is not legible, and unable to verify the Amount Financed [Redacted]lue. | Reviewer Comment (2026-07-14): Legible copy of final CD provided Buyer Comment (2026-07-13): final cd |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225868059 | [Redacted] | [Redacted] | 36920577 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, a cure was provided to the borrower. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225868938 | [Redacted] | [Redacted] | 36888127 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty document was missing in the loan file. | Reviewer Comment (2026-07-16): [redacted] Property is being conser[Redacted]tively classified as a condotel so a warranty will not be provided. Buyer Comment (2026-07-14): condo Buyer Comment (2026-07-14): Docs |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225868938 | [Redacted] | [Redacted] | 36888556 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Borrower's signature was missing | Reviewer Comment (2026-07-16): Received Security Instrument updated [Redacted]lue and associated. Exception cleared. Buyer Comment (2026-07-14): doc |
07/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225868989 | [Redacted] | [Redacted] | 36906279 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Reviewer Comment (2026-07-23): [redacted]Party Verification document is a[Redacted]ilable in file. Exception Cleared. Buyer Comment (2026-07-21): please see business cash flow analysis worksheet doc [redacted]page [redacted] |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225871604 | [Redacted] | [Redacted] | 36886137 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided | Closing Instructions were not provided in file. | Reviewer Comment (2026-07-22): Received Closing instructions. Exception cleared. Buyer Comment (2026-07-20): Instructions |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225871604 | [Redacted] | [Redacted] | 36886171 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | HUD/CD was not provided in file. | Reviewer Comment (2026-08-05): Borrower's HUD/CD, cleared Buyer Comment (2026-08-05): FSS Reviewer Comment (2026-07-22): The provided closing statement ([redacted]) is the Seller's Closing Statement. We require the final HUD, Closing Disclosure (CD), or Buyer's Closing Statement for the buyer/borrower. Exception remains. Buyer Comment (2026-07-20): FSS |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225871607 | [Redacted] | [Redacted] | 36884956 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225871607 | [Redacted] | [Redacted] | 36884957 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225871607 | [Redacted] | [Redacted] | 36885083 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The dit discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted] however due diligence review and lender's [redacted] is [redacted]%. An updated Bid tape for the DTI is required. | Reviewer Comment (2026-08-05): DTI matched with Bid Tape debt ratio. Exception cleared. Buyer Comment (2026-08-04): Please clear condition. Bid Tape has been updated |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225871607 | [Redacted] | [Redacted] | 36885113 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The dit discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted] however due diligence review and lender's [redacted] is [redacted]%. An updated Bid tape for the DTI is required. | Reviewer Comment (2026-08-05): DTI matched with Bid Tape debt ratio. Exception cleared. Buyer Comment (2026-08-04): Please clear condition. Bid Tape has been updated |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225871607 | [Redacted] | [Redacted] | 36885114 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The DTI discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted] however due diligence review and lender's [redacted] is [redacted]%. An updated Bid tape for the DTI is required. | Reviewer Comment (2026-08-05): DTI matched with Bid Tape debt ratio. Exception cleared. Buyer Comment (2026-08-04): Please clear condition. Bid Tape has been updated |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225871827 | [Redacted] | [Redacted] | 36887787 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | CPA Letter document date was missing in the loan file. | Reviewer Comment (2026-08-03): Received updated CPA Letter is verified and associated, exception cleared. Buyer Comment (2026-07-31): Please see attached. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225871827 | [Redacted] | [Redacted] | 36887790 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | CPA Letter document date was missing in the loan file. | Reviewer Comment (2026-08-03): Received updated CPA Letter is verified and associated, exception cleared. Buyer Comment (2026-07-31): Waterfall |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225871827 | [Redacted] | [Redacted] | 36887791 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | CPA Letter document date was missing in the loan file. | Reviewer Comment (2026-08-03): Received updated CPA Letter is verified and associated, exception cleared. Buyer Comment (2026-07-31): Waterfall |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225871827 | [Redacted] | [Redacted] | 36887797 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Credit Report Fee was last disclosed as $[redacted] on the Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a [Redacted]lid change of circumstance for this fee, but a cure was provided in the file. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225871827 | [Redacted] | [Redacted] | 36906239 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA Letter document date was missing in the loan file. | Reviewer Comment (2026-08-03): Received updated CPA Letter is verified and associated, exception cleared. Buyer Comment (2026-07-31): Waterfall |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225871827 | [Redacted] | [Redacted] | 36906266 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | CPA Letter document date was not found in file. | Reviewer Comment (2026-08-03): Received updated CPA Letter is verified and associated, exception cleared. Buyer Comment (2026-07-31): Waterfall |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225871839 | [Redacted] | [Redacted] | 36885303 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-21): CDA, cleared Buyer Comment (2026-07-21): please see attached cda report |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225872725 | [Redacted] | [Redacted] | 37026109 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: PPP | Reviewer Comment (2026-07-23): Cleared received PPP rider and addendum. Reviewer Comment (2026-07-22): Provided Note Addendum Prepayment was already a[Redacted]ilable on file at initial review. Required correct Prepayment Addendum. Exception Remains. Buyer Comment (2026-07-20): Here is the PPP order for this loan. It looks like you may not have received it. The correct PPP term is [redacted]months. Buyer Comment (2026-07-20): Here is the PPP order for this loan. It looks like you may not have received it. The correct PPP term is [redacted]months |
07/23/2026 | No | 1 | A | A | A | A | A | AL | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225872727 | [Redacted] | [Redacted] | 36887930 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-22): CDA, cleared Buyer Comment (2026-07-21): please see attached cda report |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225872728 | [Redacted] | [Redacted] | 36925367 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Source of Funds/Deposit not provided | Evidence of the borrower's or title companies receipt of the gift funds was not located in the file. | Reviewer Comment (2026-07-29): Cleared. Received copy of cashier check. Ledger from title co provided in trailing docs. Buyer Comment (2026-07-23): see title's ledger to show gift funds were deposited into title's account Reviewer Comment (2026-07-17): Provide source documentation for the gift fund deducted from the donor's account. Exception remains Buyer Comment (2026-07-15): They were not deposited to the borrowers accounts. the checks were made out and cashed by title. They provided a copy of the checks. see email Reviewer Comment (2026-07-15): Received Official Check for Gift. Required Applicant's Bank deposit slip for $[redacted]. Exception remains. Buyer Comment (2026-07-14): checks |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225872741 | [Redacted] | [Redacted] | 36920194 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-20): Final title policy received and verified. Exception cleared. |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225872741 | [Redacted] | [Redacted] | 36920220 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount was not provided on the preliminary title. | Reviewer Comment (2026-07-20): Title policy amount updated from Final title policy. Exception cleared, Buyer Comment (2026-07-16): please see attached Final Title Policy |
07/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225872742 | [Redacted] | [Redacted] | 36887751 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is dated [redacted], which is not within [redacted] business days of the Note. | Reviewer Comment (2026-08-18): Per lender guides, the VOE must be within [redacted]business days prior to the note date or a[Redacted]time after. Condition cleared. Reviewer Comment (2026-08-10): The exception is related to the documentation does not meet lender guides. Per guidlines, VVOE must be maximum [redacted]Days prior to the Note date. Buyer Comment (2026-08-06): With the redesination, we should be good to go on the VOE. Please clear condition. Reviewer Comment (2026-07-31): Failure is due to the VVOE's provided does not meet lender guides. Buyer Comment (2026-07-31): This loan needs to be designated as Safe Harbor QM APOR Buyer Comment (2026-07-30): Please see attached. Reviewer Comment (2026-07-29): Require verification of employment within [redacted]business days of note. Exception remains. Buyer Comment (2026-07-27): Please redesignate the loan as QM. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225872742 | [Redacted] | [Redacted] | 36887759 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to verification of employment is dated [redacted], which is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-31): Lender restated loan designation. Condition cleared. Buyer Comment (2026-07-30): Waterfall |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225872742 | [Redacted] | [Redacted] | 36887760 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to verification of employment is dated [redacted], which is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-31): Lender restated loan designation. Condition cleared. Buyer Comment (2026-07-30): Waterfall |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225872742 | [Redacted] | [Redacted] | 36887761 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225872742 | [Redacted] | [Redacted] | 36907134 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE not within [redacted] business days of note. | Reviewer Comment (2026-07-31): Lender restated loan designation. Condition cleared. Buyer Comment (2026-07-30): Waterfall |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225872742 | [Redacted] | [Redacted] | 36909251 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | VVOE is not within [redacted] business days of note. | Reviewer Comment (2026-07-31): Lender restated loan designation. Condition cleared. Buyer Comment (2026-07-30): Waterfall |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225872742 | [Redacted] | [Redacted] | 36914082 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the final CD for the [redacted] Loan. Needed to ensure sufficient reserves. | Reviewer Comment (2026-08-20): Received Updated final 1003 & [redacted] loan is not a[Redacted]ilable. Exception cleared. Buyer Comment (2026-08-19): Please see updated 1003 removing [redacted] loan Reviewer Comment (2026-08-10): The final 1003 reflects a [redacted] loan payment for the [redacted]. Please provided statement or revised 1003 if the loan payment is not applicable. Buyer Comment (2026-08-06): The [redacted] loan did not close. The client had enough funds from closing from the retirement account. Please clear condition. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225872742 | [Redacted] | [Redacted] | 37124130 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-10): Loan redesignated SHQM per client. Buyer Comment (2026-08-06): Waterfall |
08/10/2026 | No | 1 | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225872742 | [Redacted] | [Redacted] | 37124131 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | [Redacted] QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-08-10): Loan redesignated SHQM per client. Buyer Comment (2026-08-06): Waterfall |
08/10/2026 | No | 1 | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225872742 | [Redacted] | [Redacted] | 37124133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Failure due to the VVOE's provided do not meet lender guides. | Reviewer Comment (2026-08-10): Loan redesignated SHQM per client. Buyer Comment (2026-08-06): Waterfall |
08/10/2026 | No | 1 | A | A | A | A | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225872742 | [Redacted] | [Redacted] | 37190570 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan redesignated SHQM per client. | Buyer Comment (2026-08-19): Please waive per [redacted] |
08/19/2026 | No | 2 | A | B | B | B | A | CO | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225872747 | [Redacted] | [Redacted] | 36888697 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225872747 | [Redacted] | [Redacted] | 36888698 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225872748 | [Redacted] | [Redacted] | 36897440 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | Non-Permanent Resident Alien document is missing. | Reviewer Comment (2026-07-16): Received ITIN form is verified and associated, exception cleared. Buyer Comment (2026-07-14): itin provided |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225872748 | [Redacted] | [Redacted] | 36897459 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Non-Permanent Resident Alien document is missing. | Reviewer Comment (2026-07-16): Received ITIN form is verified and associated, exception cleared. Buyer Comment (2026-07-14): ITIN |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225872749 | [Redacted] | [Redacted] | 36891233 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount is not provided | Reviewer Comment (2026-07-17): Title Policy amount updated, Exception Cleared. Buyer Comment (2026-07-16): title supplement is on [redacted], page [redacted] |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872749 | [Redacted] | [Redacted] | 36891283 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing of $[redacted] is less than cash from borrower $[redacted]. [redacted] indicates use of a [redacted] Loan for closing; however, file does not contain a[Redacted] [redacted] Loan documentation. | Reviewer Comment (2026-07-17): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-16): [redacted] loan note/cd upld to trl docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872749 | [Redacted] | [Redacted] | 36923322 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-07-17): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-16): [redacted] loan note/cd upld to trl docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872749 | [Redacted] | [Redacted] | 36923330 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing all documentation for the [redacted] Loan indicated on final [redacted] and used for funds to close. | Reviewer Comment (2026-07-17): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-16): [redacted] loan note/cd upld to trl docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872749 | [Redacted] | [Redacted] | 36923343 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing all documentation for the [redacted] Loan indicated on the final [redacted] as being used to close. | Reviewer Comment (2026-07-17): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-16): [redacted] loan note/cd upld |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872749 | [Redacted] | [Redacted] | 36923388 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing documentation for the [redacted] Loan. | Reviewer Comment (2026-07-17): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-16): [redacted] loan note/cd upld to trl docs |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225872749 | [Redacted] | [Redacted] | 36923389 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing documentation for the [redacted] Loan. | Reviewer Comment (2026-07-17): [redacted] loan closing disclosure received and associated. Exception cleared. Buyer Comment (2026-07-16): [redacted] loan note/cd upld to trl docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225872753 | [Redacted] | [Redacted] | 36884016 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | Occupancy type is primary for Co-borrower, but as per the declaration section, Co-borrower will not occupy the property as a primary residence. | Reviewer Comment (2026-07-14): Primary address corrected for coborrower, Exception Cleared Buyer Comment (2026-07-13): only [redacted] borrower is required to occupy the property as their primary residence. B1 is occupying as primary |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225872760 | [Redacted] | [Redacted] | 36888250 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable due to critical repairs. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-09): Client elects to waive with compensating factors. |
07/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225872760 | [Redacted] | [Redacted] | 36924623 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-07-14): [redacted]month housing history verified, exception cleared. Buyer Comment (2026-07-10): See [redacted], [redacted], D443, [redacted], [redacted], [redacted], & [redacted] are all the VOR supporting docs |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872764 | [Redacted] | [Redacted] | 36887500 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Require Title Policy in loan amount $[redacted] | Reviewer Comment (2026-07-15): Received Title Supplement with policy amount $[redacted]. Exception cleared Buyer Comment (2026-07-14): supplement |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872766 | [Redacted] | [Redacted] | 36889276 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement, Statement are missing. | Reviewer Comment (2026-07-29): Received the Closing Disclosure and appraisal. Both documents are verified and associated with their respective records. Exception cleared. Buyer Comment (2026-07-28): This is a new pur[Redacted] transaction. Please see attached final CD and appraisal with Operating Income Statement for rental income. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225872766 | [Redacted] | [Redacted] | 36889304 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing. | Reviewer Comment (2026-07-29): Received Payment history is associated as statement, exception cleared. Buyer Comment (2026-07-28): This is a pri[Redacted]te loan. Please see Installment land contract in [redacted](2nd page in OTHER). Payment history in [redacted], statement no HOI in [redacted], HOI in "Other", and Tax in [redacted]. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225872766 | [Redacted] | [Redacted] | 36889312 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing. | Reviewer Comment (2026-07-29): Received Payment history is associated as statement, exception cleared. Buyer Comment (2026-07-28): Please see the pay history printout from [redacted] along with the Settlement statement ([redacted]) from the pur[Redacted] and new loan on the property. No HOA statement in "OTHER". Proof of Tax [redacted]and HOI "Other" |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225872768 | [Redacted] | [Redacted] | 36923303 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Date is missing on provided business entity listing document. | Reviewer Comment (2026-07-21): Received [redacted] party verification document of borrower [redacted] "[redacted]" income. Information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-07-20): please re-designate to qm Reviewer Comment (2026-07-17): Provided business entity listing document is post note dated. Exception remains Buyer Comment (2026-07-16): dated business search upld |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225872768 | [Redacted] | [Redacted] | 36923313 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing date for third party verification document causing loan designation mismatch. | Reviewer Comment (2026-07-21): Received Third party verification document of borrower [redacted] "[redacted]" income. Information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-07-20): please re-designate to qm Reviewer Comment (2026-07-17): Provided business entity listing document is post note dated. Exception remains Buyer Comment (2026-07-16): dated business search upld to trl docs |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225872768 | [Redacted] | [Redacted] | 36923314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing date for third party verification document. | Reviewer Comment (2026-07-21): Received Third party verification document of borrower [redacted] "[redacted]" income. Information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-07-20): please re-designate to qm Reviewer Comment (2026-07-17): Provided business entity listing document is post note dated. Exception remains Buyer Comment (2026-07-16): dated business search upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225872768 | [Redacted] | [Redacted] | 37030062 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to Require audited P&L for business "[redacted]" signed by CPA to clear the exception. | Reviewer Comment (2026-07-31): SHQM (APOR) Buyer Comment (2026-07-29): please see see lox on [redacted], bwr no longer generates/reports income. |
07/31/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225872768 | [Redacted] | [Redacted] | 37030063 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] QM Provision Employment - Schedule C | [Redacted] QM: Unable to verify current [redacted] status using reasonably reliable third-party records. | Require audited P&L for business "[redacted]" signed by CPA to clear the exception. | Reviewer Comment (2026-07-31): Sufficient documentation was provided and meets lender guides. Condition cleared. Buyer Comment (2026-07-29): please see see lox on [redacted], bwr no longer generates/reports income. |
07/31/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225872768 | [Redacted] | [Redacted] | 37123182 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | SHQM (APOR) | Buyer Comment (2026-08-03): ok to waive |
08/03/2026 | No | 2 | A | B | B | B | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225872773 | [Redacted] | [Redacted] | 36899762 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate is dated [redacted] while application date is shown as [redacted]. | Reviewer Comment (2026-07-10): [redacted]received initial LE. Seller Comment (2026-07-09): Documents for Conditions attached. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225872775 | [Redacted] | [Redacted] | 36888485 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Pur[Redacted] transaction however no deed documenting transfer of ownership was found in the file. | Reviewer Comment (2026-07-13): Cleared. Received deed. Seller Comment (2026-07-09): Warranty Deed received. |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225873643 | [Redacted] | [Redacted] | 36901256 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure or change of circumstance missing in loan file. | Reviewer Comment (2026-08-18): [redacted]received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-08-17): PCCD submitted |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225873643 | [Redacted] | [Redacted] | 36901262 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. [Redacted]riance of -$[redacted]. It appears the lender did not including the HOA - Processing fee in the prepaid finance charges. | Reviewer Comment (2026-08-18): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-08-17): PCCD submitted Reviewer Comment (2026-07-17): The HOA rele[Redacted]nt fees were disclosed in section [redacted], a section reserved for loan costs. These fees should be disclosed in section [redacted]. Please provide a PCCD with HOA fees moved to section [redacted], LOE and proof of mailing to cure. Buyer Comment (2026-07-16): please remove $[redacted]HOA processing fee from your finance calculations as it is a [redacted]party non APR fee. |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225873643 | [Redacted] | [Redacted] | 36901296 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid change of circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-18): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-17): PCCD submitted |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225873643 | [Redacted] | [Redacted] | 36901306 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid change of circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-18): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-17): PCCD submitted |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225873643 | [Redacted] | [Redacted] | 36925600 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. | Reviewer Comment (2026-08-18): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-17): PCCD submitted |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225873643 | [Redacted] | [Redacted] | 36925601 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for [redacted] Fee. | Reviewer Comment (2026-08-18): [redacted]received PCCD & LOE moving the fee to sec H Buyer Comment (2026-08-17): PCCD submitted Reviewer Comment (2026-07-17): [redacted]Received rebuttal comment stating Estoppel Fee is third party fee. If the fee is third party fee, provide corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-07-16): The Estoppel fee is a third party fee that needs to be removed from [redacted]tolerance. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225873643 | [Redacted] | [Redacted] | 36925602 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted]. | Reviewer Comment (2026-08-18): [redacted]received PCCD & LOE moving the fee to sec H Buyer Comment (2026-08-17): PCCD submitted Reviewer Comment (2026-07-17): [redacted]Received rebuttal comment stating HOA Processing is third party fee. If the fee is third party fee, provide corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-07-16): please remove $[redacted]HOA processing fee from your finance calculations as it is a [redacted]party non APR fee |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225873683 | [Redacted] | [Redacted] | 36901544 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-16): The plolicy indicates that coverage includes replacement costs. Reviewer Comment (2026-07-16): Per [redacted]'s update the property insurance policy provide coverage on a replacement cost basis. The provided coverage is less than the replacement cost. Exception remains. Buyer Comment (2026-07-14): See screen shot. Coverage sufficiency has been removed. Please cancel in[Redacted]lid condition. Reviewer Comment (2026-07-14): Per [redacted]'s update the property insurance policy provide coverage on a replacement cost basis. The provided coverage is less than the replacement cost. Exception remains. Buyer Comment (2026-07-13): Per [redacted]'s update this is no longer a requirement. please cancel in[Redacted]lid condition |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225873686 | [Redacted] | [Redacted] | 36901592 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable condo characteristics - Critical repairs and no reserves on the budget. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. |
Lender exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-09): Exception approved with comp factors. |
07/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225873686 | [Redacted] | [Redacted] | 36901595 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the property tax documentation for this property. Please provide for review. | Reviewer Comment (2026-07-20): Property is Coop and no individual taxes on the property. Buyer Comment (2026-07-16): please note reo property [redacted] is a CoOp property. no taxes. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225873896 | [Redacted] | [Redacted] | 36901889 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225874238 | [Redacted] | [Redacted] | 36906975 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided | Rider-Second Home is missing. | Reviewer Comment (2026-07-13): Cleared. Received rider. Buyer Comment (2026-07-09): Rider |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225874240 | [Redacted] | [Redacted] | 36920343 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Both Closing statements are not signed/dated or stamped true certified for proceeds from secured loans. | Reviewer Comment (2026-07-28): Received signed Final Closing Statement updated [Redacted]lues and associated. Exception cleared. Buyer Comment (2026-07-24): please see attached T&C stamped altas from title Reviewer Comment (2026-07-23): Received ALTA Settlement Statement for Subject Loan. Require Signed/dated or stamped true and certified Closing Statement for both Secured Funds used for Asset. Exception remains. Buyer Comment (2026-07-21): please see attached stamped ALTA |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225874240 | [Redacted] | [Redacted] | 36930570 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Discrepancy in DSCR. Lender DSCR [redacted]%. DD calculated DSCR [redacted]%. Discrepancy appears to be due to lower rental income being used be lender. | Reviewer Comment (2026-07-23): DSCR [Redacted]riance is [redacted]less than [redacted]. Allowed as per Guidelines. Exception cleared. Buyer Comment (2026-07-21): a tolerance within [redacted]is permitted |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225874246 | [Redacted] | [Redacted] | 36920356 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per appraisal, the first unit is tenant occupied: however, the lease in the file shows it has expired on [redacted] | Reviewer Comment (2026-07-20): Lease agreement is reflecting "lease term will automatically turn month to month after the year.". Exception cleared. Buyer Comment (2026-07-16): please note section #1 of the lease doc [redacted]states that "lease term will automatically turn month to month after the year" and section #[redacted] "the lease shall continue in force month to month after the expiration of the initial term" |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225874288 | [Redacted] | [Redacted] | 36920490 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Managing Member | Reviewer Comment (2026-07-15): DOB not required for this individual, cleared Buyer Comment (2026-07-14): She is not a borrower, simply a member of the [redacted]. Her birth date is not required |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225874288 | [Redacted] | [Redacted] | 36924698 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Please provide most current status from state certificate of good standing on entity dated within [redacted] days of the Note date. | Reviewer Comment (2026-07-15): Business entity document showing [redacted]as active, cleared Buyer Comment (2026-07-14): Good standing |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225874290 | [Redacted] | [Redacted] | 36901949 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Buyer Comment (2026-07-10): On approved waiver list |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Pur[Redacted] | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225874334 | [Redacted] | [Redacted] | 36931240 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File did not contain a [Redacted]lid change of circumstance for the increased fee and there was no evidence of a tolerance cure. | Reviewer Comment (2026-07-17): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-15): PCCD, LOX, Label and Check |
07/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225874342 | [Redacted] | [Redacted] | 36902776 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the HOA dues documentation for this property. | Reviewer Comment (2026-07-16): Details verified and updated for HOA. Exception cleared. Buyer Comment (2026-07-15): I am so sorry [redacted]is the correct number Reviewer Comment (2026-07-15): DOC ID [redacted]does not specify a[Redacted] HOA amount for REO property [redacted] please provide rele[Redacted]nt document to clear the exception. Exception Remains. Buyer Comment (2026-07-13): See [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225874342 | [Redacted] | [Redacted] | 36902788 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee in Loan Estimate is $[redacted] and Closing Disclosure reflects $[redacted]. No [Redacted]lid COC in file. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36902979 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verbal VOE to verify co-borrower employment was not found in file. | Reviewer Comment (2026-07-27): Received post closing VOE which does meet lender guides, however does not meet ATR requirements. This exception however, can be cleared. Buyer Comment (2026-07-23): post close voe upld Reviewer Comment (2026-07-22): Verbal verification of employment is required within [redacted]business days from the note date. Paystub is already considered for income calculation. Buyer Comment (2026-07-20): [redacted]days of pay stubs were provided in loan file on [redacted], [redacted]and [redacted]to verify income used to qualify., s/e income analysis upld |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225874503 | [Redacted] | [Redacted] | 36903111 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | Verbal VOE to verify co-borrower employment was not found in file. | Reviewer Comment (2026-07-31): Lender restated loan designation. Condition cleared. Buyer Comment (2026-07-30): please re-designate to Safe Harbor QM (APOR) Reviewer Comment (2026-07-27): Received post closing VOE which does meet lender guides, however does not meet ATR requirements for Non QM loan designation. Buyer Comment (2026-07-23): post close voe upld to trl docs Reviewer Comment (2026-07-22): Verbal verification of employment is required within [redacted]business days from the note date. Paystub is already considered for income calculation. Buyer Comment (2026-07-20): [redacted]days of pay stubs were provided in loan file on [redacted], [redacted]and [redacted]to verify income used to qualify., s/e income analysis upld to trl docs |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225874503 | [Redacted] | [Redacted] | 36903112 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Verbal VOE to verify co-borrower employment was not found in file. | Reviewer Comment (2026-07-27): Received post closing VOE which does meet lender guides, however does not meet ATR requirements. This exception however, can be cleared. Buyer Comment (2026-07-23): post close voe upld to trl docs Reviewer Comment (2026-07-22): Verbal verification of employment is required within [redacted]business days from the note date. Paystub is already considered for income calculation. Buyer Comment (2026-07-20): [redacted]days of pay stubs were provided in loan file on [redacted], [redacted]and [redacted]to verify income used to qualify., s/e income analysis upld to trl docs |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225874503 | [Redacted] | [Redacted] | 36903113 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose whether the loan will have an escrow account. | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted]: Lender disclosed accurately on Final CD at Close. Final CD page [redacted] was not provided in loan file during initial review. Buyer Comment (2026-07-20): all paged of the signed final closing disclosure upld |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903114 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted]: Lender disclosed accurately on Final CD at Close. Final CD page [redacted] was not provided in loan file during initial review. Buyer Comment (2026-07-20): all pages of the signed final closing disclosure upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903115 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are [Redacted]lid and will need to be cured (if curable). | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted]: Lender disclosed accurately on Final CD at Close. Final CD page [redacted] was not provided in loan file during initial review. Buyer Comment (2026-07-20): all pages of the signed final closing disclosure upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for a[Redacted] required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903117 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted]received complete [redacted] CD. Buyer Comment (2026-07-20): all pages of the signed final closing disclosure upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903118 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted]: Lender disclosed accurately on Final CD at Close. Final CD page [redacted] was not provided in loan file during initial review. Buyer Comment (2026-07-20): all pages of the signed final closing disclosure upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted] received complete [redacted] CD. Buyer Comment (2026-07-20): all pages of the signed final closing disclosure upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose the Monthly Escrow Payment. | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted]: Lender disclosed accurately on Final CD at Close. Final CD page [redacted] was not provided in loan file during initial review. |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Second Home | Pur[Redacted] | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903121 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Page [redacted] of Final Closing Disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-07-21): [redacted]: Lender disclosed accurately on Final CD at Close. Final CD page [redacted] was not provided in loan file during initial review. Buyer Comment (2026-07-20): all pages of the signed final closing disclosure upld to trl docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Verbal VOE to verify co-borrower employment was not found in file. | Reviewer Comment (2026-07-31): Lender restated loan designation. Condition cleared. Buyer Comment (2026-07-30): please re-designate to Safe Harbor QM (APOR) Reviewer Comment (2026-07-27): Received post closing VOE which does meet lender guides, however does not meet ATR requirements for Non QM loan designation. Buyer Comment (2026-07-23): please re-designate to QM Reviewer Comment (2026-07-22): Verbal verification of employment is required within [redacted]business days from the note date. Paystub is already considered for income calculation. Buyer Comment (2026-07-20): [redacted]days of pay stubs were provided in loan file on [redacted], [redacted]and [redacted]to verify income used to qualify., s/e income analysis upld to trl docs |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225874503 | [Redacted] | [Redacted] | 36903133 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Verbal VOE to verify co-borrower employment was not found in file. | Reviewer Comment (2026-07-31): Lender restated loan designation. Condition cleared. Reviewer Comment (2026-07-22): Verbal verification of employment is required within [redacted] business days from the note date. Paystub is already considered for income calculation. |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225874503 | [Redacted] | [Redacted] | 36937665 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal VOE for the co-borrower was missing. | Reviewer Comment (2026-07-27): Received post closing VOE which does meet lender guides, however does not meet ATR requirements. This exception however, can be cleared. Buyer Comment (2026-07-23): post close voe upld to trl docs Reviewer Comment (2026-07-22): Verbal verification of employment is required within [redacted]business days from the note date. Paystub is already considered for income calculation. Buyer Comment (2026-07-20): [redacted]days of pay stubs were provided in loan file on [redacted], [redacted]and [redacted]to verify income used to qualify., s/e income analysis upld to trl docs |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225874503 | [Redacted] | [Redacted] | 36937668 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verbal VOE for the co-borrower was missing. | Reviewer Comment (2026-07-27): Received post closing VOE which does meet lender guides, however does not meet ATR requirements. This exception however, can be cleared. Buyer Comment (2026-07-23): post close voe upld to trl docs Reviewer Comment (2026-07-22): Verbal verification of employment is required within [redacted]business days from the note date. Paystub is already considered for income calculation. Buyer Comment (2026-07-20): [redacted]days of pay stubs were provided in loan file on [redacted], [redacted]and [redacted]to verify income used to qualify., s/e income analysis upld to trl docs |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225874503 | [Redacted] | [Redacted] | 37051297 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Fico discrepancy. | Reviewer Comment (2026-07-27): Received updated 1008 reflecting the correct fico. Condition cleared. Buyer Comment (2026-07-23): revised 1008 upld |
07/27/2026 | No | 1 | A | A | A | A | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225874503 | [Redacted] | [Redacted] | 37129492 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Citing is only for informational purposes showing loan designation was restated. | Buyer Comment (2026-08-03): ok to waive |
08/03/2026 | No | 2 | A | B | B | B | A | CO | Second Home | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225875345 | [Redacted] | [Redacted] | 36902964 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The only Closing Disclosure in file dated at or prior to closing is dated [redacted] which was the closing date. No evidence of an earlier initial CD being provided to the borrower. | Reviewer Comment (2026-07-22): [redacted]received initial CD. Buyer Comment (2026-07-21): please see attached [redacted] ICD |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225876245 | [Redacted] | [Redacted] | 36902682 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | REO documents like mortgage statement, tax verification, and insurance verification documents are missing for these properties. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note's & cd's for mentioned reo properties were upld. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36902714 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-07-16): [redacted]% replacement cost coverage included was verified through the email confirmation provided in the loan file. Exception cleared. Buyer Comment (2026-07-15): please see agent email on [redacted]confirmong policy has [redacted]% rc |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937477 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A LOE states [redacted] is in the name of business entity, but fraud report shows in borrower's name. Verification of full PITIA payments for all properties owned by borrower is required. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd was upld to trl docs. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937542 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide supporting documentation for the full PITIA. If this is a new mortgage, please provide a copy of the fully executed Closing Disclosure to confirm the full PITIA. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note cd upld for [redacted] mission upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937552 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide supporting documentation for the full PITIA. If this is a new mortgage, please provide a copy of the fully executed Closing Disclosure to confirm the full PITIA. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937554 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A LOE states [redacted] is in the name of business entity, but fraud report shows in borrower's name. Verification of full PITIA payments for all properties owned by borrower is required. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937557 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide supporting documentation for the full PITIA. If this is a new mortgage, please provide a copy of the fully executed Closing Disclosure to confirm the full PITIA. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937564 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide supporting documentation for the full PITIA. If this is a new mortgage, please provide a copy of the fully executed Closing Disclosure to confirm the full PITIA. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for [redacted] upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937566 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide supporting documentation for the full PITIA. If this is a new mortgage, please provide a copy of the fully executed Closing Disclosure to confirm the full PITIA. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for[redacted] upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876245 | [Redacted] | [Redacted] | 36937567 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide supporting documentation for the full PITIA. If this is a new mortgage, please provide a copy of the fully executed Closing Disclosure to confirm the full PITIA. | Reviewer Comment (2026-07-16): Received the Note and Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-15): note & cd for[redacted] upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225876263 | [Redacted] | [Redacted] | 36919892 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to inability to verify Real Estate Owned income ([redacted]% [Redacted]cancy Method) using reasonably reliable third-party records for [redacted]. | Reviewer Comment (2026-08-17): Lease agreement received and updated. Buyer Comment (2026-08-13): Lease Reviewer Comment (2026-07-23): File contains cash flow analysis for the property, however a copy of the lease would be required. Buyer Comment (2026-07-22): this is handled by a management compa[Redacted]. We gave the management compa[Redacted] paperwork/proof of recpt. |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225876263 | [Redacted] | [Redacted] | 36919893 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | File is missing the lease or other documentation to support the rental income used for [redacted]. | Reviewer Comment (2026-08-17): Lease agreement received and updated. Buyer Comment (2026-08-13): See lease |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225876263 | [Redacted] | [Redacted] | 36919895 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225876263 | [Redacted] | [Redacted] | 36919903 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to inability to verify Real Estate Owned income ([redacted]% [Redacted]cancy Method) using reasonably reliable third-party records for [redacted]. | Reviewer Comment (2026-08-17): Lease agreement received and updated. |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225876263 | [Redacted] | [Redacted] | 36939735 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] indicates a Lender Exception was made due to borrower having only [redacted]% equity in departing residence instead of the required [redacted]% to exclude the payment; however, the exception form , appro[Redacted]l and comp factors were not located in the file. Lender exception to exclude departure residence with only [redacted]% equity vs the required [redacted]%. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-23): Client elects to waive with compensating factors. Buyer Comment (2026-07-21): Exception |
07/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225876438 | [Redacted] | [Redacted] | 36903182 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | ||||||||||
| 225876599 | [Redacted] | [Redacted] | 36938629 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] indicates lender approved an exception. The exception form, appro[Redacted]l and comp factors were not located in file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The refinance has decreased the borrower's monthly debt payments by [redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Loan Purpose: [redacted] Monthly Debt Reduction: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-13): exception |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225878825 | [Redacted] | [Redacted] | 36921735 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Missing executed final closing statement. | Reviewer Comment (2026-08-07): Signed final closing statement, cleared Buyer Comment (2026-08-07): FSS Reviewer Comment (2026-07-22): The recent closing statement received is estimated not final Buyer Comment (2026-07-21): FSS |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225878826 | [Redacted] | [Redacted] | 36921008 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-07-20): 1004 received. PDI not required, cleared Buyer Comment (2026-07-20): Disaster is from [redacted], over a year ago, no disaster inspection needed |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | D | A | N/A | No | |||||||||||||||
| 225878826 | [Redacted] | [Redacted] | 36921013 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-20): 1004, cleared Buyer Comment (2026-07-20): appraisal |
07/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | D | A | N/A | No | |||||||||||||||
| 225878826 | [Redacted] | [Redacted] | 36921016 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is not signed. | Reviewer Comment (2026-07-20): Note Addendum - Prepayment - cleared Buyer Comment (2026-07-20): note addendum |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | D | A | N/A | Yes | ||||||||||||||
| 225878826 | [Redacted] | [Redacted] | 36921018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal is missing in file. | Reviewer Comment (2026-07-20): 1004, cleared Buyer Comment (2026-07-20): appraisal submitted |
07/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225878827 | [Redacted] | [Redacted] | 36930923 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | [redacted] insurance to provide rent loss coverage on subject property for all [redacted] units. Additional requirements may apply. | Reviewer Comment (2026-07-14): [redacted] unit investment properties rental loss insurance is not required. Exception Cleared. Buyer Comment (2026-07-13): Per our guidelines [redacted] Hazard Insurance for rental loss coverage says not required. please cancel in[Redacted]lid condition |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225878831 | [Redacted] | [Redacted] | 36931020 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in the file | Reviewer Comment (2026-07-16): Hazard insurance policy associated. Exception cleared. Buyer Comment (2026-07-14): See [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225879048 | [Redacted] | [Redacted] | 36920672 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Unanimous Consent document was not found in the file and is a required document. | Reviewer Comment (2026-07-17): Corporate Resolution, cleared Buyer Comment (2026-07-16): please see attached unanimous consent |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225879189 | [Redacted] | [Redacted] | 36934529 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-22): [redacted]received E-sign consent. Buyer Comment (2026-07-21): econsent upld |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879189 | [Redacted] | [Redacted] | 36934531 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-23): Received Hazard Insurance Policy. Exception Cleared. Buyer Comment (2026-07-21): hoi upld |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225879189 | [Redacted] | [Redacted] | 36934556 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. | Reviewer Comment (2026-07-27): [redacted]received earliest receipt of ICD. Buyer Comment (2026-07-24): [redacted]cd tracking upld Reviewer Comment (2026-07-22): [redacted]received tracking for initial LE. However, we would require evidence that the borrower received initial CD dated [redacted] days prior to closing date in order to clear the exception. Buyer Comment (2026-07-21): initial le tracking upld, the le is on [redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225879225 | [Redacted] | [Redacted] | 36920365 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879226 | [Redacted] | [Redacted] | 36921377 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement is missing. | Reviewer Comment (2026-08-07): Received first payment letter for the property #[redacted]. Exception Cleared. Buyer Comment (2026-08-06): please note reo[redacted] was a DSCR loan that closed on [redacted]. please see attached first payment letter reflecting P&i, hoi and taxes. also attached is appraisal page [redacted] showing no hoa dues to reo property Buyer Comment (2026-08-06): please note reo [redacted] was a DSCR loan that closed on [redacted]. please see attached first payment letter reflecting P&i, hoi and taxes. also attached is appraisal page [redacted] showing no hoa dues to reo property Reviewer Comment (2026-07-28): Please provide documentation to support mortgage payment amount and expenses for[redacted]. Buyer Comment (2026-07-28): please see attached alta for [redacted] Buyer Comment (2026-07-23): please see attached alta for [redacted] Reviewer Comment (2026-07-20): Mortgage statement [redacted] to verify P&I $[redacted] as per Final 1003 is required. Exception remains. Buyer Comment (2026-07-16): please see doc D0308 for reo [redacted] mtg statement |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879231 | [Redacted] | [Redacted] | 36920375 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879233 | [Redacted] | [Redacted] | 36920646 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879233 | [Redacted] | [Redacted] | 36920671 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI [Redacted]riance identified between investor calculation ([redacted]%) and underwritten DTI ([redacted]%). The loan qualified using the fully amortized payment at the greater of the fully indexed rate or note rate over the remaining term following the [redacted]-year IO period, resulting in a higher qualifying payment and DTI impact. | Reviewer Comment (2026-07-30): Bid tape updated. Buyer Comment (2026-07-28): please clear, bid tape was updated. Reviewer Comment (2026-07-23): Received revised 1008, but the bid tape is still reflecting a DTI of [redacted]%, an updated bid tape for the DTI is required. Buyer Comment (2026-07-21): revised 1008/1003 upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879233 | [Redacted] | [Redacted] | 36920677 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to the DTI [Redacted]riance. | Reviewer Comment (2026-07-30): Bid tape updated. Buyer Comment (2026-07-28): please clear, bid tape was updated. Reviewer Comment (2026-07-23): Received updated 1008 with correct DTI, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-21): revised 1008/1003 upld to trl docs. |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879233 | [Redacted] | [Redacted] | 36920678 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the DTI [Redacted]riance. | Reviewer Comment (2026-07-30): Bid tape updated. Buyer Comment (2026-07-28): please clear, bid tape was updated. Reviewer Comment (2026-07-23): Received updated 1008 with correct DTI, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-21): revised 1008/1003 upld to trl docs. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879256 | [Redacted] | [Redacted] | 36920676 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in file. | Reviewer Comment (2026-07-31): Received E-sign Consent. Exception cleared. Buyer Comment (2026-07-29): Please see attached eConsent. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879256 | [Redacted] | [Redacted] | 36920683 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-30): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-07-29): Please refer to the final CD that already shows a Lender Credit for $[redacted]to cure this violation Reviewer Comment (2026-07-10): Re-open - Cured at closing or within [redacted]days of consummation prior to [redacted] review Reviewer Comment (2026-07-10): Cured at closing or within [redacted]days of consummation prior to [redacted] review |
07/30/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225879256 | [Redacted] | [Redacted] | 36920684 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [Redacted] Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] Review Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-03): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-31): Please see attached Cure Check, Cover Letter, PCCD, and Proof [redacted] Delivered |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225879281 | [Redacted] | [Redacted] | 36920523 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-28): Received [redacted][Redacted]luation document, information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-07-24): cda upld |
07/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Second Home | Pur[Redacted] | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225879281 | [Redacted] | [Redacted] | 36920534 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. [Redacted]lid Change of Circumstance nor Lender cure was found in the file. | Reviewer Comment (2026-07-24): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-23): pccd docs upld |
07/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225879301 | [Redacted] | [Redacted] | 36921234 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing insurance verification for [redacted] | Reviewer Comment (2026-08-04): As per the updated 1003 document and letter of explanation no Insurance is present on the property. Exception Cleared. Buyer Comment (2026-08-03): Updated [redacted]and urla, there is no HOA or HOI Reviewer Comment (2026-08-03): LOX has been provided confirming that there is no HOI. Property taxes have been verified at $[redacted]per month; however, no supporting documentation was provided for the additional $[redacted]housing expense reflected on the final 1003. Please provide HOA documentation or other supporting evidence to verify the remaining $[redacted]. If no additional housing expense exists, please provide a corrected 1003/1008 reflecting the accurate monthly housing expense. Exception remains. Buyer Comment (2026-07-30): signed loe |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879301 | [Redacted] | [Redacted] | 36921293 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised [Redacted]luation to applicant [redacted] business days prior to consummation. Revised [Redacted]luation reflects clerical change only, no impact to compliant HPML determination. | No evidence that borrower received a copy of appraisal [redacted] business days prior to closing. | Reviewer Comment (2026-07-22): Received appraisal notice for the appraisal dated [redacted]. Exception Cleared. Buyer Comment (2026-07-20): sent to bwr |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Pur[Redacted] | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879469 | [Redacted] | [Redacted] | 36921681 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-17): [redacted]% replacement coverage [redacted] Buyer Comment (2026-07-15): Lender Letter Reviewer Comment (2026-07-15): Per the deal documents, the coverage amount must fully cover the loan amount. Exception remains. Buyer Comment (2026-07-13): Per [redacted]'s recent update this is no longer required. Please cancel this in[Redacted]lid condition |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879469 | [Redacted] | [Redacted] | 36921690 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879470 | [Redacted] | [Redacted] | 36921595 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-27): Cleared Buyer Comment (2026-07-23): hoi policy states "dwelling [redacted]% replacement cost". please clear condition Reviewer Comment (2026-07-20): Replacement Cost Estimator or hazard insurance with sufficient coverage exceeding Loan Amount or Estimated Cost New is required. Exception remains. Buyer Comment (2026-07-16): please see hoi policy, states [redacted]% replacement cost |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879470 | [Redacted] | [Redacted] | 36921633 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to the Appraisal Desk Review Fee. No [Redacted]lid COC was provided. Specific credit of $[redacted] has been provided as cure at closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879471 | [Redacted] | [Redacted] | 36921285 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Buyer Comment (2026-07-13): on approved waiver list |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Pur[Redacted] | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879477 | [Redacted] | [Redacted] | 36939384 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Individual Taxpayer Identification Number form was not found in the file. | Reviewer Comment (2026-08-04): Document provided showing ITIN Buyer Comment (2026-07-31): please see COGS doc [redacted]stating EIN number and compa[Redacted] registered on [redacted] Reviewer Comment (2026-07-27): The file was underwritten as ITIN applicant. Require documention to verify that the ITIN was assigned to the Applicant prior to the loan's application date and must be unexpired as of the loan's note date is not located in the file. Buyer Comment (2026-07-23): please see attached employment authorization id Reviewer Comment (2026-07-23): Provided document is SSN verification. Require Identification of [redacted] document like Passport, Visa, Employment Authorization etc. Exception Remains. Buyer Comment (2026-07-21): please see attached SSN verification |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225879479 | [Redacted] | [Redacted] | 36921022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee of $[redacted] was added without a[Redacted] [Redacted]lid changed circumstances; no cure was provided. | Reviewer Comment (2026-08-03): [redacted]received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-31): Please see correspondence with title who confirmed that the survey was required in order to issue title insurance. I have also attached a revised PCCD and cover letter moving the Survey Fee to section [redacted]. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879479 | [Redacted] | [Redacted] | 36939381 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing from the file. | Reviewer Comment (2026-08-04): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-07-31): Please see attached eConsent. [redacted] is Pending however she is not a party on the closed loan. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879654 | [Redacted] | [Redacted] | 36925583 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease agreement is missing for property [redacted]. | Reviewer Comment (2026-08-05): Received Lease agreement. Exception cleared. Buyer Comment (2026-08-03): Waterfall |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225879654 | [Redacted] | [Redacted] | 36925584 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease agreement is missing for property [redacted]. | Reviewer Comment (2026-08-05): Received Lease agreement. Exception cleared. Buyer Comment (2026-08-03): Please see attached. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879654 | [Redacted] | [Redacted] | 36925588 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Reviewer Comment (2026-08-04): Client elects to waive. Buyer Comment (2026-08-03): Waterfall |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879654 | [Redacted] | [Redacted] | 36925589 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879654 | [Redacted] | [Redacted] | 36925591 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Lease agreement is missing for property [redacted]. | Reviewer Comment (2026-08-05): Received Lease agreement. Exception cleared. |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879654 | [Redacted] | [Redacted] | 36943944 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease agreement for [redacted], [redacted] property was not provided. | Reviewer Comment (2026-08-05): Received Lease agreement. Exception cleared. Buyer Comment (2026-08-03): Waterfall |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879654 | [Redacted] | [Redacted] | 36943948 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Lease agreement for [redacted], [redacted] property was not provided. | Reviewer Comment (2026-08-05): Received Lease agreement. Exception cleared. Buyer Comment (2026-08-03): Waterfall |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225879654 | [Redacted] | [Redacted] | 36943974 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall exception due to missing income documentation. | Reviewer Comment (2026-08-05): Received Lease agreement. Exception cleared. Buyer Comment (2026-08-03): Waterfall |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879654 | [Redacted] | [Redacted] | 36943975 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to missing income documentation. | Reviewer Comment (2026-08-05): Received Lease agreement. Exception cleared. Buyer Comment (2026-08-03): Waterfall |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225882378 | [Redacted] | [Redacted] | 36944327 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates lender exceptions were approved on this loan, however the exception form, appro[Redacted]l and compensating factors were not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-16): Lender exception with comp factors. Unable to document [redacted] month rent, [redacted]%LTV for [Redacted]cant cash out, utilize [Redacted] to calculate DSCR without history of being rented on a short term basis. Buyer Comment (2026-07-14): exception |
07/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WI | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225882600 | [Redacted] | [Redacted] | 36940471 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted] threshold. | Reviewer Comment (2026-07-21): [redacted]received lender attestation that [redacted] fee was primarily for verifying appraisal information and is excludable as a finance charge Buyer Comment (2026-07-20): the appraisal management fee is primarily for confirming and verifying the information contained in the appraisal, and therefore it can be excluded from APR testing Reviewer Comment (2026-07-16): Appraisal invoice reflects that an [redacted]Fee was Retained in the amount of $[redacted]. See Doc ID [redacted]on the breakdown. This fee is not being tested as a fee tolerance, but is a service within the total appraisal fee amount and broken down as a separate service from the appraisal which the [redacted] portion is unknown if relates to finance charge services or not. As previously stated, An Appraisal Management Fee may be excluded from the finance charge if it is imposed primarily for services related to items listed in [redacted][redacted](c)([redacted]), such as costs associated with verifying or confirming information connected to the appraisal. When a single lump sum charge covers multiple services and includes services that are not excludable, the portion of the charge attributable to non excludable services must be allocated and included in the finance charge. If the Appraisal Management Fee is imposed primarily for verifying or confirming information connected to the appraisal, documentation supporting that purpose may be provided. If the portion of a lump sum fee attributable to services related to consummation or loan closing cannot be determined, the entire fee may be treated as a finance charge. To facilitate an accurate review, a Letter of Explanation is respectfully requested identifying the purpose or purposes for which the Appraisal Management Fee was charged. Buyer Comment (2026-07-16): The Appraisal review fee was listed on all LE's and initial CD then removed off final CD. Please confirm why you are citing for cure when it was never added but was simply removed? Reviewer Comment (2026-07-15): An Appraisal Management Fee may be excluded from the finance charge if it is imposed primarily for services related to items listed in [redacted][redacted](c)([redacted]), such as costs associated with verifying or confirming information connected to the appraisal. When a single lump sum charge covers multiple services and includes services that are not excludable, the portion of the charge attributable to non excludable services must be allocated and included in the finance charge. If the Appraisal Management Fee is imposed primarily for verifying or confirming information connected to the appraisal, documentation supporting that purpose may be provided. If the portion of a lump sum fee attributable to services related to consummation or loan closing cannot be determined, the entire fee may be treated as a finance charge. To facilitate an accurate review, a Letter of Explanation is respectfully requested identifying the purpose or purposes for which the Appraisal Management Fee was charged. Buyer Comment (2026-07-14): Please review the final mavent and recalculate your finance charges. It seems you have an appraisal management fee listed but it's no where on the final CD either. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225882793 | [Redacted] | [Redacted] | 37028219 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: LTV | Reviewer Comment (2026-07-23): Re[Redacted]lidated D[Redacted] from a[Redacted]ilable documents. Exception Cleared. Buyer Comment (2026-07-21): I wanted to reach out regarding the LTV discrepancy. Based on the appraisal in the file, the property was most recently listed for sale on [redacted] at a list price of $[redacted]. Because this is a cash-out refinance and the borrower is the same individual who listed the property for sale, we are required to use the $[redacted]listing price when calculating the LTV. It appears that [redacted] is instead using the appraised [Redacted]lue for the LTV calculation. |
07/23/2026 | No | 1 | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225882876 | [Redacted] | [Redacted] | 36924848 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225883087 | [Redacted] | [Redacted] | 36925669 | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) Chicago Threshold Loan (Points and Fees) | City of [redacted] Anti-Predatory Lending Ordinance: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the City Total Loan Amount. Points and Fees total $[redacted] on a City Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the City Total Loan Amount. Points and Fees total $[redacted] on a City Total Loan Amount of $[redacted] versus an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Non-Compliant High-Cost Loan. | Buyer Comment (2026-07-31): waived per CNR |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Pur[Redacted] | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225883087 | [Redacted] | [Redacted] | 36925670 | Compliance | Compliance | County Compliance | State Defect | (County High Cost) Cook County Threshold Loan (Points and Fees) | [redacted] County Predatory Lending Ordinance: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the County Total Loan Amount. Points and Fees total $[redacted] on a County Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the County Total Loan Amount. Points and Fees total $[redacted] on a County Total Loan Amount of $[redacted] versus an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Non-Compliant High-Cost Loan. | Buyer Comment (2026-07-31): waived per CNR |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Pur[Redacted] | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225883157 | [Redacted] | [Redacted] | 36925911 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-[redacted] policy, blanket hazard insurance policy provided does not contain unit interior coverage. | Blanket Coverage selected and HO-[redacted] policy not selected. | Reviewer Comment (2026-07-23): Master Policy covers walls in coverage, exception cleared. Buyer Comment (2026-07-21): please see master hoi policy doc [redacted]page [redacted] "replacement cost coverage" |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225883497 | [Redacted] | [Redacted] | 36932160 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. Buyer Comment (2026-07-25): Please see attached Lease Agreement for[redacted] |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225883497 | [Redacted] | [Redacted] | 36932775 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease agreement is missing for property [redacted] | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. Buyer Comment (2026-07-25): Please see attached Lease Agreement for [redacted] |
07/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225883497 | [Redacted] | [Redacted] | 36932781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease agreement is missing for property [redacted] | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. Buyer Comment (2026-07-25): Please see attached Lease Agreement for [redacted] |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225883497 | [Redacted] | [Redacted] | 36932783 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Lease agreement is missing for property [redacted] | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225883497 | [Redacted] | [Redacted] | 36932785 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A [Redacted]lid change of circumstance was not provided for fee increase(s). | Reviewer Comment (2026-08-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-11): Please see attached Cure Check, Cover Letter, PCCD and proof [redacted] delivered. |
08/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225883497 | [Redacted] | [Redacted] | 36964891 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Lease agreement is missing for property [redacted] | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. Buyer Comment (2026-07-25): Please see attached Lease Agreement for [redacted] |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225883497 | [Redacted] | [Redacted] | 36964902 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Lease agreement is missing for property [redacted] | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. Buyer Comment (2026-07-25): Please see attached Lease Agreement for [redacted] |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225883497 | [Redacted] | [Redacted] | 36964903 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Lease agreement is missing for property [redacted] | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. Buyer Comment (2026-07-25): Please see attached Lease Agreement for [redacted] |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225883497 | [Redacted] | [Redacted] | 37098720 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-29): Received lease agreement. Exception cleared. |
07/29/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225883690 | [Redacted] | [Redacted] | 36934914 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | As per the Fraud report, REO - [redacted] [Redacted], is owned by the borrower and there is an active mortgage from [redacted], which is reported in the credit report. The property was not listed in the Final [redacted]. An updated Final [redacted] with the property listed in the REO section and a mortgage statement for the same is required. | Reviewer Comment (2026-08-18): Received mortgage statement and 1003. Buyer Comment (2026-08-14): updated urla Reviewer Comment (2026-08-13): Received mortgage statement. Updated Final 1003 listing REO property ( [redacted]) is still required. Exception remains. Buyer Comment (2026-08-12): mortgage statement Reviewer Comment (2026-07-27): Per lender guides, A[Redacted] property which is financed with a mortgage reporting on the Applicant's credit report must be listed in all cases. This in turn would indicate the mortgage must be included in the DTI. Buyer Comment (2026-07-23): See property report for [redacted]. It was sold to a trust and is no longer in the borrower's name. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225883690 | [Redacted] | [Redacted] | 36934918 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Appraisal report shows a report date of [redacted], which is a future date. | Reviewer Comment (2026-07-27): Received updated appraisal. Condition cleared. Buyer Comment (2026-07-23): corrected appraisal |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225883690 | [Redacted] | [Redacted] | 36934923 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent was not received before the Initial Loan Estimate was provided. The Blend report shows e-consent pending. | Reviewer Comment (2026-07-22): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-07-21): econsent |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884454 | [Redacted] | [Redacted] | 36935192 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-16): Clleared. Policy reflects replacement cost - similar construction. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225884454 | [Redacted] | [Redacted] | 36935197 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, a cure was provided to the borrower. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884465 | [Redacted] | [Redacted] | 36939539 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884479 | [Redacted] | [Redacted] | 36938878 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The Unanimous Consent & Resolution to Borrow is not located in the file. | Reviewer Comment (2026-07-22): cleared. received document. Seller Comment (2026-07-17): CERTIFICATE Reviewer Comment (2026-07-16): Received operating agreement. Required Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address. Exception Remains. Seller Comment (2026-07-15): OA |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225884485 | [Redacted] | [Redacted] | 36934603 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid coc in file for fees added in closing disclosure. | Reviewer Comment (2026-08-04): [redacted]received lender attestation stating it was not a lender requirement. Seller Comment (2026-08-03): Attestation Reviewer Comment (2026-07-31): [redacted]is unable to determine from the file whether the lender or title compa[Redacted] requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Seller Comment (2026-07-30): Please be advised that the survey fee of $ [redacted], payable to [redacted]., was a service that was outsourced by the borrower-chosen provider and therefore not subject to a[Redacted] tolerance calculation - Please clear condition Reviewer Comment (2026-07-29): [redacted]is unable to determine from the file whether the lender or title compa[Redacted] requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Seller Comment (2026-07-28): LOE |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884485 | [Redacted] | [Redacted] | 36937266 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $[redacted] based on [redacted]% of Estimated Cost New [Redacted]lue. There was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Reviewer Comment (2026-07-20): Insurance provide [redacted]% replacement cost coverage. Seller Comment (2026-07-16): Please see attached HOI showing [redacted]% replacement cost |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225884501 | [Redacted] | [Redacted] | 36934730 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post [redacted], the subject property is in a flood zone, flood insurance is not escrowed. | The subject property is in a flood zone, flood insurance is not escrowed. | Reviewer Comment (2026-07-24): Flood insurance is paid by condo association. Exception cleared. Buyer Comment (2026-07-22): please note this property is a condo and the flood policy is paid for by the the condo association |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Pur[Redacted] | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884502 | [Redacted] | [Redacted] | 36934589 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-17): Updated Title Commitment received and associated. Exception cleared. Buyer Comment (2026-07-16): revised title commitment |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225884505 | [Redacted] | [Redacted] | 36935068 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations: D. [redacted]. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | - | Reviewer Comment (2026-08-12): Corrected 1003 received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-10): Please see updated 1003 as requested. Reviewer Comment (2026-08-10): A corrected 1003 for Declaration D.1. is required. Buyer Comment (2026-08-06): Please attached email from branch. This was marked in error. Please clear condition. Reviewer Comment (2026-07-22): Required revised corrected 1003/Declaration D-1 for [redacted] and [redacted], as provided 1003 is the same 1003 which is already a[Redacted]ilable in file. Exception Remains. Buyer Comment (2026-07-20): Please see attached. Reviewer Comment (2026-07-17): Required updated 1003 for [redacted] and [redacted]. Exception Remains. Buyer Comment (2026-07-16): Please see attached. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225884505 | [Redacted] | [Redacted] | 36935128 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-17): Received VOE, Exception cleared. Buyer Comment (2026-07-16): Please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884505 | [Redacted] | [Redacted] | 36935142 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to VVOE missing, self-employment income document missing, and reserve requirement not met. | Reviewer Comment (2026-07-17): Received VOE for Borrower and business entity listing for Co-borrower, Exception cleared. Buyer Comment (2026-07-16): Waterfall |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WI | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884505 | [Redacted] | [Redacted] | 36935143 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current [redacted] status using reasonably reliable third-party records. | Require third-party verification; CPA letter; audited or third-party prepared YTD P&L; most recent transcript or signed/dated tax return (tax year end date no more than [redacted] days prior to Note Date). | Reviewer Comment (2026-07-17): Received VOE for Borrower and business entity listing for Co-borrower, Exception cleared. Buyer Comment (2026-07-16): A CPA letter is not required to verify the borrower's business in this instance. Documentation from the Secretary of State has been provided confirming that the business is active and in good standing. This independently verifies the existence and current status of the business. The documentation provided satisfies the business verification requirement. Therefore, we respectfully request that this condition be cleared. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884505 | [Redacted] | [Redacted] | 36935144 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to VVOE missing, self-employment income document missing, and reserve requirement not met. | Reviewer Comment (2026-07-17): Received VOE for Borrower and business entity listing for Co-borrower, Exception cleared. Buyer Comment (2026-07-16): Waterfall |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884505 | [Redacted] | [Redacted] | 36935145 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to VVOE missing, self-employment income document missing, and reserve requirement not met. | Reviewer Comment (2026-07-17): Received VOE for Borrower and business entity listing for Co-borrower, Exception cleared. |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884505 | [Redacted] | [Redacted] | 36967221 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-17): Received VOE for Borrower and business entity listing for Co-borrower, Exception cleared. Buyer Comment (2026-07-16): Waterfall |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225884505 | [Redacted] | [Redacted] | 36967238 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-07-17): Received VOE for Borrower and business entity listing for Co-borrower, Exception cleared. Buyer Comment (2026-07-16): Waterfall |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884630 | [Redacted] | [Redacted] | 36937169 | Credit | Property - Appraisal | Appraisal D[Redacted] Integrity | Property - Appraisal | Possible [redacted] violation, appraisal is not complete and may not offer substantial backing for [Redacted]lue. | - | Reviewer Comment (2026-07-29): Appraisal is complete copy. Exception cleared. Buyer Comment (2026-07-25): The appraisal is complete and matches what is in the appraisers website. Please clarify what you feel is missing from the report that has not already been provided. Be specific. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884630 | [Redacted] | [Redacted] | 36937262 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-28): Closing disclosure received for all reo properties. Details verified and updated. Exception cleared. Buyer Comment (2026-07-25): Please see the attached CD's |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884787 | [Redacted] | [Redacted] | 36935035 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Date of Birth not required for Trustee. | Reviewer Comment (2026-07-22): Date of Birth not required for Trustee, cleared Buyer Comment (2026-07-21): Condition states this isn't required, please cancel |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225884787 | [Redacted] | [Redacted] | 36961372 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Please provide most recent OFAC findings for following entities: [redacted]- [redacted], [redacted] and [redacted]. | Reviewer Comment (2026-07-22): OFACs, cleared Buyer Comment (2026-07-21): ofacs |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225884802 | [Redacted] | [Redacted] | 36936579 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. [Redacted]riance of $[redacted]. | Reviewer Comment (2026-08-05): [redacted]received additional information confirming tax cert is one time and not life of loan. Buyer Comment (2026-08-04): The charge for Title-Tax Certification Fee in the amount of $ [redacted]should not be included as a financed charge. Please see attached correspondence from title showing this is a one-time fee and not Life of Loan. This will put the $ [redacted]remaining within tolerance and no cure required. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884802 | [Redacted] | [Redacted] | 36936581 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884802 | [Redacted] | [Redacted] | 36936584 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884802 | [Redacted] | [Redacted] | 36936586 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884802 | [Redacted] | [Redacted] | 36970708 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Comments on [redacted] indicate an exception was approved for the loan. The exception form, appro[Redacted]l and comp factors were not located in the file. Lender exception for [redacted]% on cash out Mixed use property. Counter offered to [redacted]% |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. Buyer Comment (2026-08-04): Please see attached Credit Exception |
08/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225884802 | [Redacted] | [Redacted] | 37170474 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for mixed use property whose commercial SF exceeds its residential SF | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. |
08/06/2026 | Yes | 2 | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225884862 | [Redacted] | [Redacted] | 36937514 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. No [Redacted]lid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-24): [redacted]Received [Redacted]lid COC dated [redacted] Buyer Comment (2026-07-23): COC |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884862 | [Redacted] | [Redacted] | 36971040 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects mortgages with outstanding balances in the amount of $[redacted]. Seller's HUD [redacted] is missing and does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-06): Received seller CD with the payoff of the lien amount which is present in the title report. Exception Cleared. Buyer Comment (2026-08-05): Seller CD Reviewer Comment (2026-07-27): File will require a copy of sellers final closing statement. The final CD provided does not reflect a[Redacted] mortgage payoff. Buyer Comment (2026-07-23): payoff lox Reviewer Comment (2026-07-23): As per the title commitment document schedule B part 1 item # [redacted]reflects mortgage with outstanding balances in the amount of $ [redacted]and received Loan Payoff Quote for the total payoff $ [redacted]. Please provide evidence the liens have been released, paid fully and will not have negative impact on final title policy. Buyer Comment (2026-07-22): Payoff statement |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225884862 | [Redacted] | [Redacted] | 36971186 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pur[Redacted] Agreement / Sales Contract not provided | Please provide fully executed pur[Redacted] agreement on subject. Additional requirements may apply. | Reviewer Comment (2026-08-07): Received fully executed pur[Redacted] agreement on subject, Exception Cleared Buyer Comment (2026-08-06): sales contract |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225884862 | [Redacted] | [Redacted] | 36972360 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance in file for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-07-24): [redacted]Received [Redacted]lid COC dated [redacted] Buyer Comment (2026-07-22): appraisal fee increased due to the far out area |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225886011 | [Redacted] | [Redacted] | 36935041 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-07-17): Form I-[redacted] is provided in file. Exception cleared. Buyer Comment (2026-07-15): See [redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225886365 | [Redacted] | [Redacted] | 37060948 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-07-30): Received Appraisal Form 1004 [redacted] is dated after the disaster end date [redacted] and shows no damage. Exception cleared Buyer Comment (2026-07-28): please cancel, the aprsl report provided in the file is dated after the disaster and shows no damage |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225886365 | [Redacted] | [Redacted] | 37060956 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-30): Received Appraisal Form 1004. Exception cleared Buyer Comment (2026-07-28): ucdp upld, [redacted][Redacted]luation not required, cu score is under [redacted] |
07/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225886365 | [Redacted] | [Redacted] | 37060995 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Borrower is qualified with bank statement income from the business account ending #[redacted]. Account statements for the account ending #[redacted] for [redacted], [redacted], and [redacted] are missing. | Reviewer Comment (2026-07-30): Received bank statements for [redacted]. Exception cleared. Buyer Comment (2026-07-28): [redacted]and [redacted] and [redacted] upld, uw used statements from [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225886365 | [Redacted] | [Redacted] | 37060999 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax and insurance document is missing. | Reviewer Comment (2026-07-30): Cleared received tax and ins docs. Buyer Comment (2026-07-30): tax & ins-[redacted] upld Reviewer Comment (2026-07-30): Received Tax Verification and Insurance Verification of property [redacted], [redacted], [redacted]. Please provide Tax Verification and Insurance Verification for property [redacted] Exception remains. Buyer Comment (2026-07-28): tax & ins docs upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225886365 | [Redacted] | [Redacted] | 37061021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall failure due to borrower being qualified with bank statement income from the business account ending #[redacted]. Account statements for the account ending #[redacted] for [redacted], [redacted], and [redacted] are missing. | Reviewer Comment (2026-08-03): Received [redacted], [redacted] and [redacted] statement. Exception cleared. Buyer Comment (2026-07-30): [redacted]statement upld to trl docs Reviewer Comment (2026-07-30): Received bank statements for [redacted]. The bank statement for [redacted]is missing for account ending #[redacted]. Exception remains. Buyer Comment (2026-07-28): [redacted]and [redacted] and [redacted] upld, uw used statements from [redacted] |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225886365 | [Redacted] | [Redacted] | 37061023 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall failure due to borrower being qualified with bank statement income from the business account ending #[redacted]. Account statements for the account ending #[redacted] for [redacted], [redacted], and [redacted] are missing. | Reviewer Comment (2026-08-03): Received [redacted], [redacted] and [redacted] statement. Exception cleared. Buyer Comment (2026-07-30): [redacted]statement upld to trl docs Reviewer Comment (2026-07-30): Received bank statements for [redacted]. The bank statement for [redacted]is missing for account ending #[redacted]. Exception remains. Buyer Comment (2026-07-28): [redacted]and [redacted] and [redacted] upld, uw used statements from [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225886365 | [Redacted] | [Redacted] | 37061026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability to Repay - Bank Statement Guidelines Require Less than [redacted] Months | Ability to Repay (Dodd-Frank [redacted]): Guidelines require less than [redacted] consecutive months bank statements. | Waterfall failure due to borrower being qualified with bank statement income from the business account ending #[redacted]. Account statements for the account ending #[redacted] for [redacted], [redacted], and [redacted] are missing. | Reviewer Comment (2026-08-03): Received [redacted], [redacted] and [redacted] statement. Exception cleared. Buyer Comment (2026-07-30): [redacted]statement upld to trl docs Reviewer Comment (2026-07-30): Received bank statements for [redacted]. The bank statement for [redacted]is missing for account ending #[redacted]. Exception remains. Buyer Comment (2026-07-28): [redacted]and [redacted] and [redacted] upld, uw used statements from [redacted] |
08/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225886365 | [Redacted] | [Redacted] | 37061028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall failure due to borrower being qualified with bank statement income from the business account ending #[redacted]. Account statements for the account ending #[redacted] for [redacted], [redacted], and [redacted] are missing. | Reviewer Comment (2026-08-03): Received [redacted], [redacted] and [redacted] statement. Exception cleared. Buyer Comment (2026-07-30): [redacted]statement upld to trl docs Reviewer Comment (2026-07-30): Received bank statements for [redacted]. The bank statement for [redacted]is missing for account ending #[redacted]. Exception remains. Buyer Comment (2026-07-28): [redacted]and [redacted] and [redacted] upld, uw used statements from [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225886365 | [Redacted] | [Redacted] | 37061030 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial Closing Disclosure is missing. | Reviewer Comment (2026-07-29): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-07-28): [redacted] cd upld |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | No Defined Cure | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225886365 | [Redacted] | [Redacted] | 37061031 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual [Redacted]lues on the initial Loan Estimate, a fee tolerance cure of up to $[redacted] may be required. | Loan Estimate document is missing. | Reviewer Comment (2026-07-29): [redacted] Received copy of Initial LE dated [redacted]. Buyer Comment (2026-07-28): le's upld |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | No Defined Cure | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225886365 | [Redacted] | [Redacted] | 37061083 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance is missing for the subject property. | Reviewer Comment (2026-07-30): Received Hazard Insurance Policy. Exception cleared Buyer Comment (2026-07-28): hoi upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225886365 | [Redacted] | [Redacted] | 37061099 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Borrower is qualified with bank statement income from the business account ending #[redacted]. Account statements for the account ending #[redacted] for [redacted], [redacted], and [redacted] are missing. | Reviewer Comment (2026-08-03): Received [redacted], [redacted] and [redacted] statement. Exception cleared. Buyer Comment (2026-07-30): [redacted] statement upld to trl docs Reviewer Comment (2026-07-30): Received bank statements for [redacted]. The bank statement for [redacted]is missing for account ending #[redacted]. Exception remains. Buyer Comment (2026-07-28): [redacted]and [redacted] and [redacted] upld, uw used statements from [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225886365 | [Redacted] | [Redacted] | 37061102 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal document is missing. | Reviewer Comment (2026-07-30): Received Appraisal Form 1004. Exception cleared Buyer Comment (2026-07-28): aprsl upld |
07/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225886365 | [Redacted] | [Redacted] | 37061109 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. [Redacted]riance is $[redacted]. Required: Letter of Explanation, Proof of Delivery, Refund check for under-disclosed amount, Corrected Closing Disclosure. | Reviewer Comment (2026-07-30): Received updated Closing Disclosure. Exception cleared. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225886365 | [Redacted] | [Redacted] | 37061120 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Borrower is qualified with bank statement income from the business account ending #[redacted]. Account statements for the account ending #[redacted] for [redacted], [redacted], and [redacted] are missing. | Reviewer Comment (2026-08-03): Received [redacted], [redacted] and [redacted] statement. Exception cleared. Buyer Comment (2026-07-30): [redacted]statement upld to trl docs Reviewer Comment (2026-07-30): Received bank statements for [redacted]. The bank statement for [redacted]is missing for account ending #[redacted]. Exception remains. Buyer Comment (2026-07-28): [redacted]and [redacted] and [redacted] upld, uw used statements from [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225886365 | [Redacted] | [Redacted] | 37098771 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | [redacted] provide earliest E-Consent dated within [redacted] days of the application for both borrowers. | Reviewer Comment (2026-08-03): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-07-30): proof econsent was accepted upld |
08/03/2026 | No | 1 | A | A | A | A | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||||||
| 225886365 | [Redacted] | [Redacted] | 37098773 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Provide [Redacted]lid COC or cure docs. Cure docs consist of PCCD, LOE, Refund Check and Proof of Mailing. | Reviewer Comment (2026-08-03): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-30): pccd docs with proof sent to bwr upld, fees moved to section [redacted] / bwr shipped for and are not subject to [redacted]% tolerance. |
08/03/2026 | No | 1 | A | A | A | A | A | MO | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 225886365 | [Redacted] | [Redacted] | 37109797 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Received bank statements for [redacted] and [redacted]. The bank statement for [redacted] is missing for account ending #[redacted]. | Reviewer Comment (2026-08-03): Received [redacted], [redacted] and [redacted] statement. Exception cleared. Buyer Comment (2026-07-30): [redacted]statement upld to trl docs |
08/03/2026 | No | 1 | A | A | A | A | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||||||
| 225886365 | [Redacted] | [Redacted] | 37109819 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-03): Received UCDP report. Condition cleared. Buyer Comment (2026-07-30): please cancel, this is a duplicate condition, the ucdp was provided on [redacted] - [redacted] |
08/03/2026 | No | 1 | A | A | A | A | A | MO | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||||||||
| 225886773 | [Redacted] | [Redacted] | 36931366 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the [redacted] fee(s). No [Redacted]lid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-08-25): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-24): please see attached lox for pccd lox error Reviewer Comment (2026-08-20): [redacted] Received Corrected PCCD, LOE, Refund Check and Proof of Mailing; however, LOE states cure provided for Appraisal fee instead of [redacted] percent tolerance fees. Provide updated LOE. Buyer Comment (2026-08-19): please see attached lox, pccd, check Reviewer Comment (2026-08-07): [redacted] agreed that the [redacted]% fees on LEs are $[redacted]. Whereas on final CD total [redacted]% tolerance fees of $[redacted] endorsement fee + $lender's title insurance fee + $[redacted] + $[redacted] EPA endorsement + $[redacted][redacted] fee = $[redacted]). This is causing testing to reflect the fees are exceedingly over [redacted]% tolerance of $[redacted]. A [Redacted]lid COC for the endorsement fee added or refund cure of $[redacted] with cure documents required to clear this exception. Buyer Comment (2026-08-06): please clarify why a cure is being requested.. [redacted] % fees on initial LE is $[redacted]. a PCCD was created, as per comment on [redacted], to remove the title insurance credit on CD page [redacted] and apply it directly to the fee line, correctly updating the borrower's title insurance fee to $[redacted]. With this change, it accurately updates the final CD's [redacted]% fees to $[redacted]. final CD [redacted]% tolerance fee are below the max amount by $[redacted]. Reviewer Comment (2026-08-04): [redacted]received PCCD and LOE, however title - endorsement fee also added on sec [redacted] of CD. Please provide [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-31): please see attached lox & pccd moving title insurance credit from page [redacted] to fee line on page [redacted], as per comments Reviewer Comment (2026-07-27): [redacted] received rebuttal comment that Title policy adjustment of $[redacted]on page [redacted]. However, for fee tolerance testing the credit should be disclosed specifically to the fee in question. A credit "for Policy adjustment" is not specific and is a [Redacted] credit to borrower and not specific to the fee in question. A corrected CD and LOE to borrower should place this credit towards the Lender's title insurance, if that is the fee it was intended to be credited toward and shown in the Paid by Others column on page [redacted] of the Corrected CD. It should be credited specifically to that fee in the paid by others column or Cure would be due to borrower. Buyer Comment (2026-07-23): please see page [redacted] of ICD doc [redacted] and final CD doc [redacted] , they reflect a $[redacted]credit\cure for the $[redacted]Lenders Title Insurance fee. please update your calculations. cure should only be for $[redacted]. $[redacted]. $[redacted]% fees. $[redacted] Reviewer Comment (2026-07-23): [redacted] received rebuttal comment. Upon review the baseline for [redacted]% tolerance is $[redacted]which includes $[redacted]recording fee and $[redacted] lender's title insurance. However, on final CD the title insurance fee was increased to $[redacted] and endorsement fee was also added. These fees are borrower did not shopped for as provider was listed on [redacted] . Please provide a [Redacted]lid [redacted] for increase in fee or cure would be required. Buyer Comment (2026-07-22): please review LE and update your baseline amounts. should not be $[redacted] |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225889137 | [Redacted] | [Redacted] | 36936088 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | [redacted] Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | Reviewer Comment (2026-07-20): Re-[Redacted]lidated compliance d[Redacted] questions. Exception cleared. Buyer Comment (2026-07-16): is something needed for this? it seems informational only |
07/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Pur[Redacted] | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225889137 | [Redacted] | [Redacted] | 36936089 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225893338 | [Redacted] | [Redacted] | 36936566 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. | Buyer Comment (2026-07-30): ok to waive Reviewer Comment (2026-07-30): [redacted] is an [redacted] exception for informational purposes and is compliant. Lender may waive. Buyer Comment (2026-07-28): please redesignate to qm Reviewer Comment (2026-07-24): Loan is considered an OK HPML based on the APR exceeding the threshold. Buyer Comment (2026-07-22): bwr letter of intent to sell upld to trl docs |
07/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Pur[Redacted] | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225893338 | [Redacted] | [Redacted] | 36936596 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No [Redacted]lid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $XXX.XX, a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225893338 | [Redacted] | [Redacted] | 36974267 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Discrepancy due to missing either the listing agreement or letter of intent to sell the departure residence. | Reviewer Comment (2026-07-24): Received letter of intent to sell the property by the borrower. Exception cleared. Buyer Comment (2026-07-22): bwr letter of intent to sell upld to trl docs |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225893338 | [Redacted] | [Redacted] | 36974278 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Discrepancy due to missing either the listing agreement or letter of intent to sell the departure residence. | Reviewer Comment (2026-07-24): Received letter of intent to sell the property by the borrower. Exception cleared. Buyer Comment (2026-07-22): bwr letter of intent to sell upld to trl docs |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OK | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225893338 | [Redacted] | [Redacted] | 36974279 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Discrepancy due to missing either the listing agreement or letter of intent to sell the departure residence. | Reviewer Comment (2026-07-24): Received letter of intent to sell the property by the borrower. Exception cleared. Buyer Comment (2026-07-22): bwr letter of intent to sell upld to trl docs |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225893338 | [Redacted] | [Redacted] | 36974280 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Discrepancy due to missing either the listing agreement or letter of intent to sell the departure residence. | Reviewer Comment (2026-07-24): Received letter of intent to sell the property by the borrower. Exception cleared. Buyer Comment (2026-07-22): bwr letter of intent to sell upld to trl docs |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225893338 | [Redacted] | [Redacted] | 36974302 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Discrepancy due to missing either the listing agreement or letter of intent to sell the departure residence. | Reviewer Comment (2026-07-24): Received letter of intent to sell the property by the borrower. Exception cleared. Buyer Comment (2026-07-22): bwr letter of intent to sell upld |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225893338 | [Redacted] | [Redacted] | 36974303 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-24): Received letter of intent to sell the property by the borrower. Exception cleared. Buyer Comment (2026-07-22): bwr letter of intent to sell upld |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225894609 | [Redacted] | [Redacted] | 36938444 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award Letter / Continuance Letter was not provided in file. | Reviewer Comment (2026-08-04): The co-borrower's SSI income is not being used for qualification, as reflected in the updated Form 1003/1008. Exception Cleared. Buyer Comment (2026-08-03): revised 1003/1008 upld, [redacted] ssi was not used Reviewer Comment (2026-07-28): Social security income is used in calculation & also mentioned in Final 1003 a[Redacted]ilable in file. Award letter is required to verify the social security income. Exception remains. Buyer Comment (2026-07-24): passive income was used, please see uw worksheet on [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225894609 | [Redacted] | [Redacted] | 36938534 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to the addition of an appraisal fee and an appraisal review fee. No [Redacted]lid COC was provided; cure was provided at closing. | Reviewer Comment (2026-08-07): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-06): pccd docs upld Reviewer Comment (2026-07-27): [redacted] received rate lock. Title fees were disclosed in Section [redacted] which are tested at [redacted]% tolerance. Provider listed on [redacted] is [redacted], a division of [redacted]. Fees on CD were paid to [redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section [redacted] and LOE to borrower required to cure. Buyer Comment (2026-07-24): please clarify this condition, the aprsl fees were addressed in the other [redacted] trid conditions, how are the appraisal fees associated to this [redacted]% tolerance violation? |
08/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225894609 | [Redacted] | [Redacted] | 36938535 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to the addition of an appraisal fee. No [Redacted]lid COC was provided; cure was provided at closing. | Reviewer Comment (2026-07-27): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-07-24): please cancel, this was cured at closing on final cd sect [redacted] |
07/27/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | PA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225894609 | [Redacted] | [Redacted] | 36938536 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to the addition of an appraisal review fee. No [Redacted]lid COC was provided; cure was provided at closing. | Reviewer Comment (2026-07-28): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-07-27): initial pricing confirmation upld, the program changed from [redacted]- Full Doc [redacted] SOFR ARM I/O (Alt-A) *BestEfforts on the [redacted] LE Reviewer Comment (2026-07-27): [redacted] received rate lock and COC. However,we are unable to verify the loan program. Kindly provide a detail COC for the fee added on LE dated [redacted] for $[redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-07-24): [redacted], coc is on [redacted]. le is on [redacted], loan program required aprsl rvw fee. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225894609 | [Redacted] | [Redacted] | 36938571 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Award Letter / Continuance Letter was not provided in file, and [redacted]-SSA for [redacted] years was also not provided. | Reviewer Comment (2026-08-04): The co-borrower's SSI income is not being used for qualification, as reflected in the updated Form 1003/1008. Exception Cleared. Buyer Comment (2026-08-03): revised 1003/1008 upld to trl docs, [redacted] ssi was not used Reviewer Comment (2026-07-28): Social security income is used in calculation & also mentioned in Final 1003 a[Redacted]ilable in file. Award letter is required to verify the social security income. Exception remains. Buyer Comment (2026-07-24): passive income was used, please see uw worksheet on [redacted] |
08/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225894609 | [Redacted] | [Redacted] | 36938572 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Award Letter / Continuance Letter was not provided in file, and [redacted]-SSA for [redacted] years was also not provided. | Reviewer Comment (2026-08-04): The co-borrower's SSI income is not being used for qualification, as reflected in the updated Form 1003/1008. Exception Cleared. Buyer Comment (2026-08-03): revised 1003/1008 upld to trl docs, [redacted] ssi was not used Reviewer Comment (2026-07-28): Social security income is used in calculation & also mentioned in Final 1003 a[Redacted]ilable in file. Award letter is required to verify the social security income. Exception remains. Buyer Comment (2026-07-24): passive income was used, please see uw worksheet on [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225894609 | [Redacted] | [Redacted] | 36973626 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Award Letter / Continuance Letter | Reviewer Comment (2026-08-04): The co-borrower's SSI income is not being used for qualification, as reflected in the updated Form 1003/1008. Exception Cleared. Buyer Comment (2026-08-03): revised 1003/1008 upld to trl docs, [redacted]ssi was not used Reviewer Comment (2026-07-28): Social security income is used in calculation & also mentioned in Final 1003 a[Redacted]ilable in file. Award letter is required to verify the social security income. Exception remains. Buyer Comment (2026-07-24): passive income was used, please see uw worksheet on [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225894609 | [Redacted] | [Redacted] | 36973627 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to missing Award Letter / Continuance Letter | Reviewer Comment (2026-08-04): The co-borrower's SSI income is not being used for qualification, as reflected in the updated Form 1003/1008. Exception Cleared. Buyer Comment (2026-08-03): revised 1003/1008 upld to trl docs, [redacted] ssi was not used Reviewer Comment (2026-07-28): Social security income is used in calculation & also mentioned in Final 1003 a[Redacted]ilable in file. Award letter is required to verify the social security income. Exception remains. Buyer Comment (2026-07-24): passive income was used, please see uw worksheet on [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225894609 | [Redacted] | [Redacted] | 37142342 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The co-borrower's SSI income is not being used for qualification, as reflected in the updated Form [redacted]. However, the Bid Tape field is currently displaying a DTI of [redacted]% based on the previous [redacted] d[Redacted]. Please update the Bid Tape DTI to [redacted]% to align with the revised [redacted]. | Reviewer Comment (2026-08-11): [redacted] Tape d[Redacted] has been updated as required. Exception cleared. Buyer Comment (2026-08-10): please clear, the bid tape has been updated. |
08/11/2026 | No | 1 | A | A | A | A | A | PA | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225894935 | [Redacted] | [Redacted] | 36971594 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | DTI Discrepancy. Bid Tape- [redacted]. Review DTI- [redacted]. Discrepancy matches [redacted] in file. Lender used lease amount on unit [redacted] only to calculate DSCR, however the bid tape DSCR is using the rental amount of $[redacted] from the appraisal. | Reviewer Comment (2026-07-23): Received revised tax cert, 1007 & UW worksheet as required. Exception cleared. Buyer Comment (2026-07-21): supporting docs Buyer Comment (2026-07-21): 1007 Buyer Comment (2026-07-21): [redacted] respectfully disagrees with [redacted] DSCR. [redacted] is using incorrect property tax amount and rental income. To support, please find tax cert showing annual city/county tax of $[redacted]/mth. Please also find 1007 showing combined market rent of $[redacted] with ADU consideration addendum. [redacted] Please review and clear condition |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225894935 | [Redacted] | [Redacted] | 36971607 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Worksheet is required when there is a discrepancy in the DTI. | Reviewer Comment (2026-07-23): Received revised tax cert, 1007 & UW worksheet as required. Exception cleared. Buyer Comment (2026-07-21): Please see DSCR uploaded in prior condition and clear Buyer Comment (2026-07-21): Please see uploaded DSCR calc and clear Buyer Comment (2026-07-21): DSCR |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | TN | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225895162 | [Redacted] | [Redacted] | 37184828 | Credit | Property - Appraisal | [Redacted] Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | The appraisal disclosed that the property was listed for sale within the last [redacted] months. Please provide a letter of explanation disclosing the reason the property was listed. | Reviewer Comment (2026-08-19): Re[Redacted]lidated the information and reviewed the listing history. The property was listed for sale because it was recently pur[Redacted]d by the current owner. Exception cleared. Buyer Comment (2026-08-17): Please advise. This should not be necessary. The property was pur[Redacted]d within the last [redacted] months which is why it was listed for sale within the past [redacted] months. See title as it was deeded in [redacted] to the current owner which aligns with the appraisal. page [redacted]and page [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225895162 | [Redacted] | [Redacted] | 37184836 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing from the file. | Reviewer Comment (2026-08-19): Re[Redacted]lidated the Operating Agreement and confirmed that the borrower is the sole owner. Exception cleared. Buyer Comment (2026-08-17): Please advise. Schedule [redacted] on page [redacted] shows single ownership by our borrower. Should a Unanimous Consent be required? |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895163 | [Redacted] | [Redacted] | 37180483 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing for business entity. | Reviewer Comment (2026-08-12): Certificate of Formation, cleared Buyer Comment (2026-08-11): Cert of formation |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895169 | [Redacted] | [Redacted] | 36940740 | Credit | Title | [Redacted] | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of $[redacted] is less than the note amount of $[redacted]. | Reviewer Comment (2026-07-28): Re[Redacted]lidated from the Title Commitment. The Final Title Policy provided is for the previous pur[Redacted] transaction and reflects the pur[Redacted] price of $[redacted]. The Title Commitment supports the current refinance loan amount of $[redacted]. Exception cleared. Buyer Comment (2026-07-24): please note the final title policies docs [redacted] , [redacted] are from the pur[Redacted] of the property on [redacted], and is referenced on commitment doc [redacted] Schedule [redacted]. title commitment in file matches $[redacted]loan amount |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 36942577 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] months bank statements not provided for [redacted]/[redacted]. File is missing either [redacted] or [redacted] statement. | Reviewer Comment (2026-07-23): Lender exception with comp factors Buyer Comment (2026-07-21): exception aprvl upld to trl docs |
07/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225895182 | [Redacted] | [Redacted] | 36942578 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank [redacted]): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-07-23): Lender Exception with Compensating Factors provided. |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225895182 | [Redacted] | [Redacted] | 36942579 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability to Repay - Bank Statement Guidelines Require Less than [redacted] Months | Ability to Repay (Dodd-Frank [redacted]): Guidelines require less than [redacted] consecutive months bank statements. | Reviewer Comment (2026-07-23): Lender exception with comp factors Buyer Comment (2026-07-21): exception aprvl upld to trl docs |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225895182 | [Redacted] | [Redacted] | 36973328 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] months bank statements not provided for [redacted]/[redacted]. File is missing either [redacted] or [redacted] statement. The [redacted] indicates a lender exception however the exception appro[Redacted]l documentation is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-30): Client elects to waive wtih compensating factors. Reviewer Comment (2026-07-23): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-21): exception aprvl upld |
07/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||
| 225895182 | [Redacted] | [Redacted] | 36973330 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] months bank statements not provided for [redacted]/[redacted]. File is missing either [redacted] or [redacted] statement. | Reviewer Comment (2026-07-30): Client elects to waive with compensating factors. Reviewer Comment (2026-07-23): Lender exception with comp factors Buyer Comment (2026-07-21): exception aprvl upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225895182 | [Redacted] | [Redacted] | 36973346 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted] months bank statements not provided for [redacted]/[redacted]. File is missing either [redacted] or [redacted] statement. | Reviewer Comment (2026-07-23): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-21): exception aprvl upld to trl docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225895182 | [Redacted] | [Redacted] | 37051320 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Reviewer Comment (2026-07-23): Lender Exception with Compensating Factors provided. |
07/23/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 37051321 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank [redacted]): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-07-23): Lender Exception with Compensating Factors provided. |
07/23/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 37051341 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-07-30): Per client, redesignate to [redacted] Buyer Comment (2026-07-28): please see final mavent on [redacted], loan is qm. Reviewer Comment (2026-07-27): Please provide the specific loan designation to redesignate the loan. Buyer Comment (2026-07-23): please re-designate to qm |
07/30/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 37051342 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-07-30): Per client, redesignate to [redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 37110511 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] QM - Bank Statement Guidelines Number of Bank Statements Requirement not met | [Redacted] QM: The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Reviewer Comment (2026-08-04): Exception updated. Lender provided exception appro[Redacted]l for [redacted] months of statements. Cleared. Buyer Comment (2026-07-31): the exception aprvl provided should be sufficient to clear this. |
08/04/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 37110540 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to [redacted] bank statements provided instead of [redacted] months. | Reviewer Comment (2026-08-04): Lender approved exception to use 11 months statements. Condition cleared. Reviewer Comment (2026-08-04): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of [redacted] Fail. Buyer Comment (2026-07-31): the exception aprvl provided should be sufficient to clear this. |
08/04/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 37144135 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | EV2 due to loan designation changed. | Buyer Comment (2026-08-05): ok to waive |
08/05/2026 | No | 2 | A | B | B | B | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225895182 | [Redacted] | [Redacted] | 37144139 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for the use of [redacted] months bank statements for [redacted] of the borrowers business vs [redacted] months. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-04): Client elects to waive with compensating factors. |
08/04/2026 | Yes | 2 | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||
| 225895196 | [Redacted] | [Redacted] | 36947201 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | [redacted] - HPML Disclosure missing in file. | Buyer Comment (2026-07-20): Please waive per CNR |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225895196 | [Redacted] | [Redacted] | 36947202 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | Non-compliant HPML due to missing disclosure | Buyer Comment (2026-07-20): Please waive per CNR |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225895196 | [Redacted] | [Redacted] | 36973800 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225895253 | [Redacted] | [Redacted] | 36974384 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | All [redacted] members signed the note and security instrument as guarantors. All credit docs will be required for each guarantor. | Reviewer Comment (2026-07-23): all [redacted] members signed as managing Members Buyer Comment (2026-07-21): please cancel, all [redacted] members signed the docs as additional [redacted] members only, no credit docs are required. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225895253 | [Redacted] | [Redacted] | 36974428 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The guarantor agreement is missing. | Reviewer Comment (2026-07-31): Received document. Cleared. Reviewer Comment (2026-07-30): All members need to sign as guarantors in order to satisfy the [redacted] prepayment penalty requirements. Buyer Comment (2026-07-28): please cancel, only the borrower is required to sign the guarantor agreement Reviewer Comment (2026-07-28): UPDATE: All members must sign as guarantors due to the prepayment issue in [redacted] Reviewer Comment (2026-07-28): Require guarantor agreement signed by all [redacted] Guarantor individual. Exception Remains. Buyer Comment (2026-07-24): guaranty agreement upld |
07/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Pur[Redacted] | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225895253 | [Redacted] | [Redacted] | 36974448 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. [redacted]:[redacted]0B-[redacted]. | Buyer Comment (2026-07-31): ok to waive Reviewer Comment (2026-07-28): This is an EV2 citing for informational purposes only due to the borrowing entity is not a corporation. The lender may waive. Buyer Comment (2026-07-24): guaranty agreement upld to trl docs. |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Pur[Redacted] | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225895348 | [Redacted] | [Redacted] | 37191225 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted] month mortgage pay history for the subject property. | Reviewer Comment (2026-08-18): Received Verification of Mortgage document. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-17): vom upld Reviewer Comment (2026-08-17): Per lender guides, the most recent [redacted] month pay history is required for the subject property. Buyer Comment (2026-08-13): please cancel, this is a dscr loan |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895348 | [Redacted] | [Redacted] | 37191260 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The borrowing entity articles of formation were not located in the file. | Reviewer Comment (2026-08-17): Re[Redacted]lidated Articles of Organization. Exception cleared. Buyer Comment (2026-08-13): please see cert of formation on [redacted], this is sufficient to clear |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895355 | [Redacted] | [Redacted] | 36944362 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | [redacted] Family Rider is not signed. | Reviewer Comment (2026-07-29): Rider - [redacted] Family, cleared Buyer Comment (2026-07-29): please see attached mortgage and riders |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225895355 | [Redacted] | [Redacted] | 36944365 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is not executed. | Reviewer Comment (2026-07-29): Security Instrument - Subject Lien, cleared Buyer Comment (2026-07-29): please see attached mortgage and riders |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225895525 | [Redacted] | [Redacted] | 36939534 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual [Redacted]lues on the initial Loan Estimate, a fee tolerance cure of up to $[redacted] may be required. | Loan Estimate was not found in file. | Reviewer Comment (2026-07-27): [redacted] Received Copy of Initial Loan estimate. Buyer Comment (2026-07-24): please see attached LEs |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225895545 | [Redacted] | [Redacted] | 36958099 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-27): [redacted] UCDP with acceptable risk score, cleared Buyer Comment (2026-07-24): SSR's |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 225895545 | [Redacted] | [Redacted] | 36958101 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy is missing in the loan file. | Reviewer Comment (2026-07-27): Hazard Insurance Policy - cleared Buyer Comment (2026-07-24): HOI |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225895891 | [Redacted] | [Redacted] | 36947617 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded due to recording fee being disclosed as $[redacted] and then as $[redacted] on the final CD. No [Redacted]lid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-07): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-06): please see attached lox, pccd & check Reviewer Comment (2026-08-05): [redacted] received rebuttal and agrees cure of $[redacted] is required. Please provide cure of $[redacted] with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-04): it would be a $[redacted] cure and not $[redacted]as your comments state $[redacted]) $[redacted] cure Reviewer Comment (2026-07-28): [redacted]: Title fees were disclosed in Section [redacted] which are tested at no tolerance. Additionally, provider listed on SSPL is [redacted]. Fees on CD were paid to [redacted] and [redacted]. Appears borrower shopped for title fees and only the recording fee calculated under [redacted]% tolerance. Provide [Redacted]lid COC for the fee was increased or refund cure of $[redacted]required to borrower. Buyer Comment (2026-07-27): please refer to [redacted] LE doc [redacted]. Your LE baseline fees should not be for only the recording fee. There are [redacted]% TRID title fees listed that need added to your baseline calculations. your baseline calculations are incomplete Reviewer Comment (2026-07-27): [redacted]: The initial LE dated [redacted] redacted]disclosed a recording fee of $[redacted]. This fee increased to $[redacted]on the revised LE dated [redacted] without a [Redacted]lid COC. As a result, the recording fee exceeds the [redacted]% tolerance threshold, increasing by $[redacted]from the baseline amount of $[redacted] to $[redacted]. Please provide a [Redacted]lid COC supporting the increase in the recording fee beyond the [redacted]% tolerance limit; otherwise, a tolerance cure may be due to the borrower. Buyer Comment (2026-07-24): please see [redacted] LE doc [redacted] and update your LE baseline ([redacted]% fees are missing from your calculations) |
08/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225897816 | [Redacted] | [Redacted] | 36945853 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Payoff Statement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Payoff Statement Fee was not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. No [Redacted]lid change of circumstance or cure was provided at closing. | Reviewer Comment (2026-07-16): [redacted] received LOX for rebuttal response with additional information for a [Redacted]lid Changed circumstance. Buyer Comment (2026-07-15): LOE |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225897820 | [Redacted] | [Redacted] | 36957814 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing from the file. | Reviewer Comment (2026-07-30): Corporate Resolution already in file. Exception Cleared. Buyer Comment (2026-07-29): please see unanimous consent doc [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225897820 | [Redacted] | [Redacted] | 36957815 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted] days prior to Closing. | - | Account statement is not a[Redacted]ilable within [redacted] days from the note date. | Reviewer Comment (2026-08-03): Received statement as of [redacted]. Exception cleared. Buyer Comment (2026-07-30): please see attached [redacted] account printout dated [redacted]. please note that new\current statement is not a[Redacted]ilable, as they are sent quarterly and statement uploaded previously just ended on [redacted]. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225898310 | [Redacted] | [Redacted] | 36947631 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Insurance shows property address as [redacted], instead of [redacted] as per Note. | Reviewer Comment (2026-08-14): Received [redacted] verification. Cleared. Buyer Comment (2026-08-12): USPS Reviewer Comment (2026-08-11): Supporting documentation would need to be provided from a third party source ie: [redacted] Buyer Comment (2026-08-07): Address cert |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225898310 | [Redacted] | [Redacted] | 36947634 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]/[redacted] was not provided. | - | Second Appraisal with an effective date [redacted] was made subject to repairs, but [redacted] was not provided. | Reviewer Comment (2026-08-21): Subsequent appraisal dated [redacted] ([redacted]) confirms the property is complete and no repairs are required. Exception cleared. Buyer Comment (2026-08-19): Please see the email from the city showing the home doesn't need updating since it is only subject to the code that were in place when it was built Reviewer Comment (2026-08-14): Unfortunately, DD is unable to disregard the subject to [Redacted]luation. Based on the comments from the appraiser, the basement design presents a high safety risk. Buyer Comment (2026-08-12): Rather than a 1004D, we have a entire appraisal confirming that no repairs are needed. Please use the [redacted] appraisal which is dated after the "subject to" appraisal on [redacted]. Reviewer Comment (2026-08-10): Second Appraisal with an effective date [redacted]is made subject to repairs but [redacted]is not provided. Exception remains. Buyer Comment (2026-08-07): The [redacted]appraisal is the first appraisal. We are using the second appraisal dated [redacted]. ([redacted]) The more recent appraisal confirms that the home meets code and needs no adjustments. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225898310 | [Redacted] | [Redacted] | 36947635 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | As per [redacted], the lender requested an exception to allow [redacted] months reserves. However, the exception request form showing appro[Redacted]l and disposition has not been provided. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-27): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-23): exception |
07/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Pur[Redacted] | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||
| 225898310 | [Redacted] | [Redacted] | 36947637 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to reserve requirement not being met. Per [redacted], the lender requested an exception to allow [redacted] months reserves. However, the exception request form showing appro[Redacted]l and disposition has not been provided. | Reviewer Comment (2026-08-11): Lender exception approved for reduced reserves. Cleared. Buyer Comment (2026-08-07): waterfall |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225898310 | [Redacted] | [Redacted] | 36947638 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to reserve requirement not being met. Per [redacted], the lender requested an exception to allow [redacted] months reserves. However, the exception request form showing appro[Redacted]l and disposition has not been provided. | Reviewer Comment (2026-08-11): Lender exception approved for reduced reserves. Cleared. Buyer Comment (2026-08-07): waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225898310 | [Redacted] | [Redacted] | 36947640 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Discount points disclosed as $[redacted] on initial Closing Disclosure and then as $[redacted] on final Closing Disclosure. No [Redacted]lid change of circumstance or cure for the borrower was provided. | Reviewer Comment (2026-08-10): [redacted] Received [Redacted]lid COC dated [redacted] along with lender exception document. Buyer Comment (2026-08-07): The [redacted] change was due to the exception appro[Redacted]l which was submitted on the other condition. Reviewer Comment (2026-08-02): [redacted] received COC stating "[redacted] increase impacted loan discount point" However, we would require additional information as to what caused the [redacted]to increase which impacted loan discount point or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-07-30): COC Reviewer Comment (2026-07-27): Please provide COC Buyer Comment (2026-07-24): Initial lock for comparison Buyer Comment (2026-07-24): coc |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225898310 | [Redacted] | [Redacted] | 36947641 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Changed Circumstances dated [redacted] did not mention a[Redacted] reason for the addition of a second appraisal fee of $[redacted]. No [Redacted]lid change of circumstance or cure for the borrower was provided. | Reviewer Comment (2026-08-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-13): PCCD |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225898310 | [Redacted] | [Redacted] | 36980428 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall due to insufficient assets to cover the reserve required. | Reviewer Comment (2026-08-11): Lender exception approved for reduced reserves. Cleared. Buyer Comment (2026-08-07): waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225898310 | [Redacted] | [Redacted] | 36980448 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to insufficient assets to cover the reserve required. | Reviewer Comment (2026-08-10): Received Address Certificate is verified. Exception cleared. Buyer Comment (2026-08-07): waterfall |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225898310 | [Redacted] | [Redacted] | 37201909 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [redacted] months on subject and [redacted] month on departure residence in reserves. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-11): Client elects to waive with compensating factors. |
08/11/2026 | Yes | 2 | B | B | B | B | B | AZ | Primary | Pur[Redacted] | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||||
| 225899812 | [Redacted] | [Redacted] | 36947660 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | Flood Insurance policy effective date is after the note date. | Reviewer Comment (2026-07-30): Received Flood Insurance policy is effective from the disbursement date. Exception cleared. Buyer Comment (2026-07-28): Disbursement date is [redacted] per [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225899812 | [Redacted] | [Redacted] | 36947661 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-30): Received Appraisal acknowledgement is verified. Exception cleared. Buyer Comment (2026-07-28): See upload |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225899812 | [Redacted] | [Redacted] | 36947662 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | File is missing documentation to evidence delivery of the updated appraisal to the borrower at least [redacted] business days prior to closing. | Reviewer Comment (2026-07-30): Received Appraisal acknowledgement is verified. Exception cleared. Buyer Comment (2026-07-28): Appraisal sent to the borrwoer |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225899812 | [Redacted] | [Redacted] | 36980875 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance found in file for the fee increase and there was no evidence of a tolerance cure. | Reviewer Comment (2026-08-20): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-18): Cure Docs Reviewer Comment (2026-07-30): [redacted] Received rebuttal stating appraisal fee increased as per invoice; however, fee increased as per invoice is not a acceptable reason. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increase and when lender became aware of the change. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-07-28): See the appraisal notes. invoice not delivered until [redacted]. LE was redisclosed [redacted] after invoice and increase amount received. See [redacted]invoice and LE [redacted] |
08/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225899812 | [Redacted] | [Redacted] | 36980876 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance found in file for the fee increase and the tolerance cure of $[redacted] provided at closing was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-07-15): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
07/15/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225900098 | [Redacted] | [Redacted] | 36981079 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225900194 | [Redacted] | [Redacted] | 36947707 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to Recording Fee. No [Redacted]lid COC was provided. A specific credit of $[redacted] was provided as a cure at closing. | Reviewer Comment (2026-07-11): Sufficient Cure Provided At Closing |
07/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225900194 | [Redacted] | [Redacted] | 36947708 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The finance charges disclosed on the Final Closing Disclosure were $[redacted]. The calculated finance charge was $[redacted], for an over-disclosed amount of $[redacted]. The reason for the finance charge over-disclosure is unknown. | Reviewer Comment (2026-08-07): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-08-06): tracking Reviewer Comment (2026-08-04): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copies of unexecuted RTC's. The [redacted] tracking does not reflect the package has yet been picked up or delivered. Proof of delivery is required in order to begin the waiting period on the reopening of rescission and must reflect was delivered at least [redacted] business days prior to the [redacted] cancel by date. Provide documentation when delivery completed. Buyer Comment (2026-08-03): please see attached lox, pccd, rev rtc and check |
08/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225900672 | [Redacted] | [Redacted] | 36957798 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved, requesting to permit an [redacted]% LTV-Condotel. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-22): exception aprvl upld |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 225900672 | [Redacted] | [Redacted] | 36957813 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | P&I: $[redacted] Taxes: $[redacted] Insurance: -$[redacted] Lease Income: -$[redacted] DSCR: -[redacted] |
Reviewer Comment (2026-07-22): DSCR Calculation Worksheet and [redacted] report received. Information re[Redacted]lidated. Exception cleared. Buyer Comment (2026-07-20): [redacted] respectfully disagrees with [redacted] DSCR calculation. Attached please find [redacted] [redacted] and calculation [redacted] = [redacted] Buyer Comment (2026-07-20): [redacted] Buyer Comment (2026-07-20): DSCR Calc - [redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225900674 | [Redacted] | [Redacted] | 36947718 | Credit | Property - Appraisal | Appraisal D[Redacted] Integrity | Property - Appraisal | [Redacted]luation Error: Appraiser did not complete analysis of the subject's prior sale and transfer history. | - | Appraiser did not complete Analysis of Prior Sale / Transfer History. | Reviewer Comment (2026-07-24): Re[Redacted]lidated transfer history with appraisal. Exception cleared. Buyer Comment (2026-07-22): please clarify as there is transferred\sold verbiage on that line on page [redacted] of the appraisal |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225900903 | [Redacted] | [Redacted] | 36958704 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225900905 | [Redacted] | [Redacted] | 36958741 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing statement for REO. | Reviewer Comment (2026-07-27): document provided Buyer Comment (2026-07-23): see page [redacted]that is the signed lox Reviewer Comment (2026-07-22): Required signed and dated [redacted] stating this property is ex-spouses. Doc id [redacted] doesn't have signed and document date on it. Exception remains. Buyer Comment (2026-07-20): also there is an LOX from borrower stating this property is ex spouses Buyer Comment (2026-07-20): This REO per divorce decree was being refinanced into the ex spouses name so there is no statement |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225900905 | [Redacted] | [Redacted] | 36958848 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225900916 | [Redacted] | [Redacted] | 36962329 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD (Asset) not provided | [redacted] Loan HUD/Closing Disclosure is not provided in file. | Reviewer Comment (2026-07-30): Received [redacted] loan Closing Disclosure. Exception cleared. Buyer Comment (2026-07-28): bridge cd re-upld Reviewer Comment (2026-07-27): No documents uploaded . Please provide Doc# Buyer Comment (2026-07-23): bridge cd upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225900916 | [Redacted] | [Redacted] | 36962357 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] Loan HUD/Closing Disclosure is not provided in file. | Reviewer Comment (2026-07-30): Received [redacted] loan Closing Disclosure. Exception cleared. Buyer Comment (2026-07-28): bridge cd re-upld to trl docs Reviewer Comment (2026-07-27): No documents uploaded . Please provide Doc# Buyer Comment (2026-07-23): bridge cd upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225900916 | [Redacted] | [Redacted] | 36962360 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to [redacted] Loan documentation was not found in the file. | Reviewer Comment (2026-07-30): Received [redacted] loan Closing Disclosure. Exception cleared. Buyer Comment (2026-07-28): bridge cd re-upld to trl docs Reviewer Comment (2026-07-27): No documents uploaded . Please provide Doc# Buyer Comment (2026-07-23): bridge cd upld to trl docs |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225900916 | [Redacted] | [Redacted] | 36962361 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] Loan HUD/Closing Disclosure is not provided in file. | Reviewer Comment (2026-07-30): Received [redacted] loan Closing Disclosure. Exception cleared. Buyer Comment (2026-07-28): bridge cd re-upld to trl docs Reviewer Comment (2026-07-27): No documents uploaded . Please provide Doc# Buyer Comment (2026-07-23): bridge cd upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225900916 | [Redacted] | [Redacted] | 36962482 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted] Loan HUD/Closing Disclosure is not provided in file. | Reviewer Comment (2026-07-30): Received [redacted] loan Closing Disclosure. Exception cleared. Buyer Comment (2026-07-28): bridge cd re-upld to trl docs Reviewer Comment (2026-07-27): No documents uploaded . Please provide Doc# Buyer Comment (2026-07-23): bridge cd upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225900917 | [Redacted] | [Redacted] | 36959115 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | [Redacted]lid passport/visa/permanent residence card was not found for the borrower. | Reviewer Comment (2026-08-04): Loan program is ITIN and borrower is Non-Permanent Resident. File present with the ITIN document and Driving license. Also meet the other guideline requirements like LTV/CLTV below [redacted], Applicant with the minimum [redacted] months of [redacted] account statement . Exception Cleared. Buyer Comment (2026-08-03): N/A This loan is approved on the ITIN/[redacted] program. All program requirements are met including, Max LTV <[redacted]%, Borrower has [redacted] bank account, [redacted] Letter verified [redacted] number and Photo ID is in file. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225900917 | [Redacted] | [Redacted] | 36959134 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225900917 | [Redacted] | [Redacted] | 36959135 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225900917 | [Redacted] | [Redacted] | 36978643 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Evidence of Access to Funds not provided | Please provide a signed and dated letter of relationship with account holder: [redacted] for evidence of access to account xxx0[redacted]. Additional requirements may apply. | Reviewer Comment (2026-08-04): As per the guideline asset held jointly does not require letter from the non-borrowing account holder. Exception Cleared. Buyer Comment (2026-08-03): Borrowers name, [redacted], is listed as an Joint owner of the account. Per guidelines Access Letter from other joint owner is not required on a standard savings/checking account. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225900921 | [Redacted] | [Redacted] | 36959550 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-31): Final title policy received and verified. Exception cleared. |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Home Improvement | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225900921 | [Redacted] | [Redacted] | 36959554 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-31): Title policy amount updated from final title policy. Exception cleared. Buyer Comment (2026-07-29): please see attached Final Title Policy |
07/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Home Improvement | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225900921 | [Redacted] | [Redacted] | 36959742 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. | File does not contain a [Redacted]lid COC for this fee, nor is evidence of cure provided in file. | Reviewer Comment (2026-07-13): Sufficient Cure Provided within [redacted] Days of Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Home Improvement | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | A | B | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225900921 | [Redacted] | [Redacted] | 36959743 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted]K Architectural And Engineering Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | [redacted]K Architectural and Engineering Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure as $[redacted]. File does not contain a [Redacted]lid COC for this fee, nor is evidence of cure provided in file. | Reviewer Comment (2026-07-13): Sufficient Cure Provided within [redacted] Days of Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Home Improvement | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | A | B | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225900921 | [Redacted] | [Redacted] | 36959744 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Appraisal Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure as $[redacted]. File does not contain a [Redacted]lid COC for this fee, nor is evidence of cure provided in file. | Reviewer Comment (2026-07-13): Sufficient Cure Provided within [redacted] Days of Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Home Improvement | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | A | B | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225901012 | [Redacted] | [Redacted] | 36958825 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Calculated income $[redacted] / PITI $[redacted] = DSCR [redacted]. Bid tape DSCR differs completely from Due Diligence DSCR with no justification in file. |
Reviewer Comment (2026-07-16): Corrected bid tape provided. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225901024 | [Redacted] | [Redacted] | 36961358 | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Test | [redacted] Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. | Unable to determine if the mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. | Reviewer Comment (2026-07-27): Updated TNB benefit per disclosure Reviewer Comment (2026-07-24): Ignore below comment, commented in error. Reviewer Comment (2026-07-24): Unable to confirm from the final CD, exception remains. Buyer Comment (2026-07-22): The final cd has the buy out Reviewer Comment (2026-07-22): unable to locate No supporting documents Please provide Doc # Buyer Comment (2026-07-20): Per exception request the borrower is buying out the [redacted] other members that have ownership in the property |
07/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225901024 | [Redacted] | [Redacted] | 36995989 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225901686 | [Redacted] | [Redacted] | 36967422 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final Closing Statement was not found in file. | Reviewer Comment (2026-07-27): Cleaered. Received final HUD. Buyer Comment (2026-07-23): apologies, here is the final ALTA Reviewer Comment (2026-07-22): The closing statement received is estimated and not a final statement Buyer Comment (2026-07-22): please see attached final settlement statement |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225901754 | [Redacted] | [Redacted] | 36966697 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-30): Received required documentation. Condition cleared. Buyer Comment (2026-07-29): please review and clear. Buyer Comment (2026-07-23): proof econsent accepted upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225901754 | [Redacted] | [Redacted] | 37000124 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance in file for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-07-27): [redacted] Days of Closing received LOX and appraiser comment for increase in cost. Buyer Comment (2026-07-23): rebuttal upld |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225902105 | [Redacted] | [Redacted] | 36967558 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | The LE dated [redacted] was signed/dated by the borrower [redacted] which was not at least [redacted] business days prior to closing. | Reviewer Comment (2026-07-28): [redacted] received disclosure summary for Revised LE. Buyer Comment (2026-07-27): audit trail Reviewer Comment (2026-07-24): [redacted] received system snip. However, we are unable to verify which documents were sent. Kindly provide complete copy of disclosure summary for the revised LE in order to clear the exception. Buyer Comment (2026-07-23): proof of delivery Buyer Comment (2026-07-23): Please provide the regulation that states TRID goes off the signature date of the LE vs when it was delivered to the borrower. Reviewer Comment (2026-07-21): [redacted] the revised LE was signed by borrower on [redacted] which is not [redacted] business days prior to closing date. Kindly provide evidence that the borrower received revised LE [redacted] business days prior to closing in a[Redacted] other method. Buyer Comment (2026-07-20): The TRID rule is [redacted] days prior to closing not [redacted] which this was signed within the require timeline |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225902891 | [Redacted] | [Redacted] | 36966163 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-24): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-22): econsent and proof initial disclosures were also sent regular mail upld |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225904648 | [Redacted] | [Redacted] | 36968095 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | HOA Questionnaire Document was not found in the loan file. | Reviewer Comment (2026-07-31): [redacted] Condo Loan Appro[Redacted]l Certificate. Condo warrantability confirmed. Exception cleared. Buyer Comment (2026-07-29): please see condo cert doc [redacted] page [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225905423 | [Redacted] | [Redacted] | 36947183 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted] threshold. | Reviewer Comment (2026-08-19): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-08-18): RTC Reviewer Comment (2026-08-12): The mailbox rule does not apply to the [redacted], but applies to LE and CD delivery. Proof of delivery is required and the [redacted] may not expire less than [redacted] days after proof of delivery. Under [redacted] § [redacted], if the Loan Estimate (LE) disclosures required by § [redacted] are not provided to the consumer in person, the consumer is presumed to have received the disclosures [redacted] business days after they are delivered or placed in the mail. Similarly, [redacted] [redacted] ([redacted] [redacted] provides that if the Closing Disclosure (CD) disclosures required by § [redacted] are not provided to the consumer in person, the consumer is presumed to have received the disclosures [redacted] business days after they are delivered or placed in the mail. Reviewer Comment (2026-08-10): [redacted] received rebuttal of email message to borrowers on RTC's. However, electronic transmission does not follow mailbox rule, which would be related to [redacted] mailing thru postal system (via mail). Must be provided proof when all consumers received the [redacted]'s either delivered electronically or can provide the executed by the consumers (electronic signature) reflecting date received. Please provide either documentation to verify consumer's receipt of the [redacted]and again must be [redacted] business days prior to the cancel by date. Buyer Comment (2026-08-07): [redacted] is the proof the recission was sent to the borrowers. It was sent [redacted] and received by [redacted] [redacted] per the mailbox rule Reviewer Comment (2026-08-06): [redacted] received unexecuted RTCs, LOE and email LOE. Please provide proof of delivery to both consumers to document the waiting period has started and must be at least [redacted] business days prior to the [redacted]cancel by date. Buyer Comment (2026-08-05): RTC Reviewer Comment (2026-08-03): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. Buyer Comment (2026-07-31): PCCD Reviewer Comment (2026-07-29): The tax return verification fee is not excluded under [redacted](c)([redacted]). [redacted] ([redacted])([redacted]) excludes the following fees only. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the [Redacted]lue or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Cure is required in the amount of $[redacted]. Buyer Comment (2026-07-28): list of finance charges Buyer Comment (2026-07-28): verification of tax return is not a finance charge |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225905423 | [Redacted] | [Redacted] | 36947195 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender DTI [redacted]%, Review DTI [redacted]%. Expense correctly considered. | Reviewer Comment (2026-08-12): cleared |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225905423 | [Redacted] | [Redacted] | 36947209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Lender DTI [redacted]%, Review DTI [redacted]%. Expense correctly considered. | Reviewer Comment (2026-08-12): Updated |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225905423 | [Redacted] | [Redacted] | 36947210 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Lender DTI [redacted]%, Review DTI [redacted]%. Expense correctly considered. | Reviewer Comment (2026-08-12): updated Buyer Comment (2026-08-12): Bid tape corrected Reviewer Comment (2026-08-04): [redacted] Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-31): PCCD Reviewer Comment (2026-07-31): The exception is due to the tape d[Redacted] DTI is reflecting as [redacted]%, calculated DTI is [redacted]%. An updated bid tape for the DTI is required. Buyer Comment (2026-07-29): 1008 and 1003 with corrected DTI |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225905423 | [Redacted] | [Redacted] | 37001794 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing a signed/dated close out letter for the Heloc paid at closing. | Reviewer Comment (2026-07-31): Received close out letter [redacted]. Buyer Comment (2026-07-29): Heloc payoff |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225906347 | [Redacted] | [Redacted] | 36939564 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide clarification for borrower's employment status. [redacted] states that borrower's employer owns [redacted] locations. We have a Work Number Verbal Verification of Employment in the file that states borrower is inactive for business of [redacted], however active for [redacted]. Borrower provided documentation for both locations. The location of [redacted] is listed on the Verbal Verification of Employment and says borrower is active, however this name does not align with either of the income documents provided in the file. Lender to clarify which location borrower works and is currently actively employed. | Reviewer Comment (2026-07-22): The borrower doesn't have a[Redacted] ownership in the business. She works at [redacted] [Redacted] per the 1003 and final vvoe. Her boss inquired multiple business which is why the borrower has different pay stubs, W2's and vvoe's from different companies. Buyer Comment (2026-07-20): The borrower doesn't have a[Redacted] ownership in the business. She works at [redacted] [Redacted] per the 1003 and final vvoe. Her boss inquired multiple business which is why the borrower has different pay stubs, W2's and vvoe's from different companies. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225906759 | [Redacted] | [Redacted] | 36947499 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | No secondary appraisal or hybrid interior appraisal required. | Reviewer Comment (2026-08-05): CDA received, exception cleared Buyer Comment (2026-08-03): Please see attached. |
08/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Pur[Redacted] | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225906759 | [Redacted] | [Redacted] | 36947500 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date not provided for the third party verification (business entity information) document. | Reviewer Comment (2026-08-05): Third party verification date confirmed, exception cleared. Buyer Comment (2026-08-03): Please see attached. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225906759 | [Redacted] | [Redacted] | 36947502 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception due Document date not provided for the third party verification (business entity information) document. | Reviewer Comment (2026-08-05): Third party verification date confirmed, exception cleared. Buyer Comment (2026-08-03): Waterfall |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225906759 | [Redacted] | [Redacted] | 36947503 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall exception due to document date not provided for the third party verification (business entity information) document. | Reviewer Comment (2026-08-05): Third party verification date confirmed, exception cleared. Buyer Comment (2026-08-03): Waterfall |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225906759 | [Redacted] | [Redacted] | 36947504 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge is non-compliant under TRID as the disclosed amount is understated by $[redacted], exceeding the $[redacted] allowable tolerance. Re-disclosure or post-consummation cure required. | Reviewer Comment (2026-08-19): [redacted] received documentation of one-time fee. Buyer Comment (2026-08-18): Please see attached. Reviewer Comment (2026-08-04): [redacted] recalculation of Finance charge and underdisclosure was $[redacted]. In reviewing lender's compliance report the Title-Tax Report $[redacted] and the [redacted] were not included in lender's calculation. If the Flood Determination fee and the Tax Report fee were one time fees and were not life of loan services, please provide a lender's attestation confirming and clarifying the service, otherwise cure would be due as they would be included in finance charge calculation. Buyer Comment (2026-08-03): This condition has already been satisfied with the clerical PCCD and the final CD showing that the $[redacted] has already been credited to the borrower. Please clear condition. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225906759 | [Redacted] | [Redacted] | 36947506 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-04): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-03): Also, this was already credited. Buyer Comment (2026-08-03): Please see your above condition where you asked for a secondary [Redacted]lulation. Because of this requirement, the appraisal review fee was required. Please clear condition. |
08/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225906759 | [Redacted] | [Redacted] | 36947509 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reimbursement. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reimbursement fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-20): [redacted] received LOX. Buyer Comment (2026-08-18): Please see attached. Reviewer Comment (2026-08-04): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted]; however, [redacted] is unable to determine from the file whether the lender or title compa[Redacted] required the fee. If the lender required fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the service, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-08-03): Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225906759 | [Redacted] | [Redacted] | 37293256 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||||||||
| 225908750 | [Redacted] | [Redacted] | 36968386 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lenders DTI of [redacted]% (per [redacted]) is within tolerance of review DTI of [redacted]%. Please override. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Condition cleared. Reviewer Comment (2026-08-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-24): Please review the d[Redacted] compare. We now match. Please clear condition. Reviewer Comment (2026-08-06): Updated 1008 received, but bid tape is reflecting a DTI of [redacted] %. An updated bid tape for the DTI is required. Buyer Comment (2026-08-04): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225908750 | [Redacted] | [Redacted] | 36968523 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI in[Redacted]lid DTI discrepancy: Lenders DTI of [redacted]% (per [redacted]) is within tolerance of review DTI of [redacted]%. Please override. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Condition cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-06): Updated 1008 received, but bid tape is reflecting a DTI of [redacted] %. An updated bid tape for the DTI is required. Buyer Comment (2026-08-04): Waterfall |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225908750 | [Redacted] | [Redacted] | 36968524 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI in[Redacted]lid DTI discrepancy: Lenders DTI of [redacted]% (per [redacted]) is within tolerance of review DTI of [redacted]%. Please override. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Condition cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-06): Updated 1008 received, but bid tape is reflecting a DTI of [redacted] %. An updated bid tape for the DTI is required. Buyer Comment (2026-08-04): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225908750 | [Redacted] | [Redacted] | 36968529 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225908750 | [Redacted] | [Redacted] | 36968530 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL [Redacted]riable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM loan program disclosure signed by borrower on [redacted]: application date shown as [redacted]. | Reviewer Comment (2026-08-06): ARM disclosure provided on [redacted]. Buyer Comment (2026-08-04): The [redacted] Program Disclosure was provided and signed by the borrower on [redacted], at the time the interest rate was locked and the borrower elected to proceed with the ARM loan program. Although the initial application date is [redacted], the borrower's loan program selection was finalized on [redacted], making the timing of the ARM disclosure appropriate. The executed disclosure accurately reflects the borrower's decision to proceed with the [redacted] loan product and complies with the applicable disclosure requirements. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225908754 | [Redacted] | [Redacted] | 36969372 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-Sign consent is reflecting pending status. | Reviewer Comment (2026-07-22): Received E-Sign consent. Exception cleared. Buyer Comment (2026-07-20): audit trail |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225908768 | [Redacted] | [Redacted] | 36975774 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual [Redacted]lues on the initial Loan Estimate, a fee tolerance cure of up to $[redacted] may be required. | Loan Estimate was not found in file. | Reviewer Comment (2026-07-29): [redacted] received initial LE. Buyer Comment (2026-07-28): LE |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225908768 | [Redacted] | [Redacted] | 37002842 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower's secondary business has not been in existence a minimum of [redacted] yrs and there is no information in the file about related work prior to the date of the business as required by guidelines. The [redacted] indicates lender approved an exception; however, the exception form, appro[Redacted]l and comp factors were not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-07-30): Client elects to waive with compensating factors. Reviewer Comment (2026-07-30): Received lender exception appro[Redacted]l for employment history. Buyer Comment (2026-07-28): exception appro[Redacted]l |
07/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225908776 | [Redacted] | [Redacted] | 36977183 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Please provide fully executed ByLaws and/or Shareholder Agreement/corp stock certificate for [redacted]. determine the guarantor's percentage of ownership for the buisiness accounts used for closing funds. [redacted] is a [redacted]% owner of [Redacted]. | Reviewer Comment (2026-07-24): Received and reviewed the [redacted] for [Redacted]. Exception cleared. Seller Comment (2026-07-22): Bylaws Reviewer Comment (2026-07-21): Received [redacted] of [redacted] stating Rights and Interest transferred to Borrower. Please Provide Bylaws with Borrower [redacted]owns [redacted]% ownership of [redacted] Exception Remains. Seller Comment (2026-07-17): Founders Amendment |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225908778 | [Redacted] | [Redacted] | 36975780 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-17): Title Supplemental received and verified. Exception cleared Seller Comment (2026-07-16): Title supplement showing loan amount |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225908780 | [Redacted] | [Redacted] | 36977819 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects mortgage with outstanding balances in the amount of $[redacted]. HUD [redacted] does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-07-24): [redacted] from title compa[Redacted] states lien will be paid Seller Comment (2026-07-22): The final title policy can take up to [redacted] days to receive. The confirmation from title stating that we will be in [redacted] place on title and confirmation that the lien has been paid offi should be sufficient. Please have this reviewed again. Reviewer Comment (2026-07-21): Received Email conversation stating Lien [redacted] would be in first position. Please Provide Final Title Policy with liens Released and not have negative impact. Exception Remains. Seller Comment (2026-07-20): SEE EMAIL FROM TITLE Reviewer Comment (2026-07-17): Received wire confirmation document does not evidence the payoff or satisfaction of the mortgage with an outstanding balance of $[redacted] reflected on title. Exception Remains. Seller Comment (2026-07-16): Document Received |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225908780 | [Redacted] | [Redacted] | 36978089 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Provide fully executed ByLaws, Articles of Incorporation, Shareholder Agreement/corp stock certificate(for verification of ownership %), Certificate of Good standing of [redacted]s Inc. ([redacted]% ownership on [redacted]. . | Reviewer Comment (2026-07-23): Received fully executed [redacted], [redacted] of Incorporation, and [redacted] for [redacted]. Exception cleared. Seller Comment (2026-07-21): BYLAWS - ARTICLES - CERT Reviewer Comment (2026-07-17): [redacted], Shareholder Agreement/Corporate Stock Certificate (ownership verification), and Certificate of Good Standing for [redacted]. were not received in the trailing documents. Exception Remains. Seller Comment (2026-07-16): Document received |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225909028 | [Redacted] | [Redacted] | 36976677 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]/[redacted] was not provided. | - | Appraisal report reflects property condition as subject to completion. Final inspection [redacted]/[redacted] is missing in the file. | Reviewer Comment (2026-07-29): Cleared. Received updated report in trailing docs. Buyer Comment (2026-07-23): revised appraisal |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | A | A | C | A | N/A | No | |||||||||||||
| 225910518 | [Redacted] | [Redacted] | 36976985 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. Blen Report shows E-consent pending. | Reviewer Comment (2026-07-28): Received E-Sign consent. Exception cleared. Buyer Comment (2026-07-24): please see attached econsent |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225910842 | [Redacted] | [Redacted] | 36977273 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL [Redacted]riable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM loan program disclosure not provided to the borrower within [redacted] days of application. | Reviewer Comment (2026-07-22): Provided ARM disclosure within [redacted] days of application. Exception cleared. Buyer Comment (2026-07-20): audit trail |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225912274 | [Redacted] | [Redacted] | 37006279 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for [redacted]%LTV on [Redacted]cant property where guidelines would dictate [redacted]% with the haircut. The excption appro[Redacted]l requires evidence subject property has been listed for rent however it is not located in the file. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
Borrower has owned the subject property for at least [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Client elects to waive. Buyer Comment (2026-07-22): see [redacted] pg [redacted] for lease |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225912396 | [Redacted] | [Redacted] | 36998366 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN and error on Civil Court Search Report due to name/SSN mismatch, please provide updated ADV report with [Redacted]lid search report for guarantor. | Reviewer Comment (2026-07-30): Fraud report clears SSN issue, cleared Buyer Comment (2026-07-29): Fraud guard |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225914157 | [Redacted] | [Redacted] | 36974342 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-09-01): Proof of appraisal delivery received, exception cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-06): Provided receipt confirmation document is already considered, please provide delivery receipt confirmation of primary appraisal [redacted]. Buyer Comment (2026-08-04): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225914157 | [Redacted] | [Redacted] | 36974343 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Documentation evidencing the updated appraisal was provided to the borrower at least [redacted] business days prior to closing was not in file. | Reviewer Comment (2026-09-01): Proof of appraisal delivery received, exception cleared. Buyer Comment (2026-08-28): Please see attached Reviewer Comment (2026-08-06): Provided receipt confirmation document is already considered, please provide delivery receipt confirmation of primary appraisal [redacted]. Buyer Comment (2026-08-04): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225914157 | [Redacted] | [Redacted] | 36974345 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225914157 | [Redacted] | [Redacted] | 36974346 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225914340 | [Redacted] | [Redacted] | 36979640 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Tax amount captured from tax certificate and insurance from HOI with higher [Redacted]lues. | Reviewer Comment (2026-08-03): Per DSCR worksheet considered lower actual rent to calculate DSCR. Exception Cleared. Buyer Comment (2026-07-30): The amounts reflected on the attached income worksheet have been verified and are consistent with the appraisal, tax certificate, and homeowners insurance declarations page. Based on the verified tax and insurance figures, the calculated DSCR is [redacted], which aligns with the bid tape DSCR. Please update the diligence figures to match the supporting documentation and clear this condition. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225914342 | [Redacted] | [Redacted] | 37289694 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - PPP | Reviewer Comment (2026-08-24): Per Prepayment Note addendum and prepayment rider penalty terms are updated. Exception cleared. Buyer Comment (2026-08-20): [redacted] respectfully disagrees with [redacted] Designation. Please review [redacted] and generate exception if needed. |
08/24/2026 | No | 1 | A | A | A | A | A | FL | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225914592 | [Redacted] | [Redacted] | 36981369 | Credit | Missing Document | [Redacted] | Missing Document | ACH was missing from file. | ACH is not provided in file, borrower is not a US citizen. | Reviewer Comment (2026-08-21): [redacted] not required for Permanent Resident Alien. Exception Cleared. Buyer Comment (2026-08-19): Please provide the guidelines where this is required. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225915996 | [Redacted] | [Redacted] | 36995960 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]/[redacted] was not provided. | - | Reviewer Comment (2026-07-28): Received revised appraisal completed "As Is." Exception cleared. Buyer Comment (2026-07-27): revised apprasial |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225915996 | [Redacted] | [Redacted] | 36995964 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-07-24): Certificate of [redacted]is a[Redacted]ilable in file. Exception Cleared. Buyer Comment (2026-07-22): see [redacted] pg [redacted] for lease |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | C | A | N/A | No | |||||||||||||||
| 225915996 | [Redacted] | [Redacted] | 37205996 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - DSCR | Reviewer Comment (2026-08-13): Received 1007 rent schedule document. Exception Cleared. Buyer Comment (2026-08-11): [redacted] ROV Buyer Comment (2026-08-11): [redacted] respectfully disagrees with [redacted] rent calculation. Attached please find [redacted]with updated g[Redacted] rent of $[redacted] $[redacted] $[redacted] Please review and update [redacted]DSCR. |
08/13/2026 | No | 1 | A | A | A | A | A | OH | Investment | Pur[Redacted] | C | A | C | A | C | A | N/A | No | |||||||||||||||||||
| 225919102 | [Redacted] | [Redacted] | 36996991 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. Lender provided sufficient cure at closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225919103 | [Redacted] | [Redacted] | 36997521 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] for both borrowers is missing in the file. | Reviewer Comment (2026-07-28): Received Form [redacted]. Exception Cleared. Buyer Comment (2026-07-27): w-8 ben forms upld |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225919103 | [Redacted] | [Redacted] | 36997532 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided | Currency Converter/Exchange (Asset) for account #[redacted]. | Reviewer Comment (2026-07-31): Received Currency Converter/Exchange. Exception Cleared. Buyer Comment (2026-07-29): please clear, these are one and the same, full account number reflects [redacted] on the statement and [redacted] on the exchange contracts Reviewer Comment (2026-07-29): Received Exchange Confirmation for the Asset #[redacted]. Please Provide Currency converter with [redacted] for the Asset to "[redacted]". Exception remains. Buyer Comment (2026-07-28): exchange contracts foreign/english versions upld |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225919104 | [Redacted] | [Redacted] | 36997381 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Borrower is short sufficient verified funds to meet the required [redacted] mo PITIA reserves. | Reviewer Comment (2026-07-31): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-30): Paid invoice Reviewer Comment (2026-07-30): Borrower has paid [redacted] as HOI premium before closing. Please provide invoice for HOI policy. Exception Remains. Buyer Comment (2026-07-28): Cash to close & reserves [redacted], we have a total of [redacted]in assets which leaves us with [redacted] overage in assets. Buyer Comment (2026-07-28): please disregard comment Buyer Comment (2026-07-28): Please see [redacted] pg [redacted] for retirement account |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919104 | [Redacted] | [Redacted] | 36997384 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Borrower is short sufficient verified funds to meet the required [redacted] mo PITIA reserves. | Reviewer Comment (2026-07-31): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-30): see uploaded Reviewer Comment (2026-07-30): Borrower has paid [redacted] as HOI premium before closing. Please provide invoice for HOI policy. Exception Remains. Buyer Comment (2026-07-28): Cash to close & reserves [redacted], we have a total of [redacted]in assets which leaves us with [redacted] overage in assets. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919104 | [Redacted] | [Redacted] | 36997389 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to the reserve shortage. | Reviewer Comment (2026-07-31): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-30): see uploaded Reviewer Comment (2026-07-30): Borrower has paid [redacted] as HOI premium before closing. Please provide invoice for HOI policy. Exception Remains. Buyer Comment (2026-07-28): Cash to close & reserves [redacted], we have a total of [redacted]in assets which leaves us with [redacted] overage in assets. |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225919104 | [Redacted] | [Redacted] | 36997390 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the reserve shortage. | Reviewer Comment (2026-07-31): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-30): see uploaded Reviewer Comment (2026-07-30): Borrower has paid [redacted] as HOI premium before closing. Please provide invoice for HOI policy. Exception Remains. Buyer Comment (2026-07-28): Cash to close & reserves [redacted], we have a total of [redacted]in assets which leaves us with [redacted] overage in assets. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919104 | [Redacted] | [Redacted] | 36997391 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the reserve shortage. | Reviewer Comment (2026-07-31): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-30): see uploaded Reviewer Comment (2026-07-30): Borrower has paid [redacted] as HOI premium before closing. Please provide invoice for HOI policy. Exception Remains. Buyer Comment (2026-07-28): Cash to close & reserves [redacted], we have a total of [redacted]in assets which leaves us with [redacted] overage in assets. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919107 | [Redacted] | [Redacted] | 36997134 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved on [redacted] for [redacted]% equity, which does not meet the guideline minimum of [redacted]%. Lender Exception document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. Buyer Comment (2026-08-04): appraisal submitted Buyer Comment (2026-08-04): listing agreement Buyer Comment (2026-08-04): appraisal Reviewer Comment (2026-08-04): Received lender exception appro[Redacted]l for the equity in the departure home, however the file is still missing the appraisal for the departure residence. Unable to downgrade/waive without proper calculation of reserves. Buyer Comment (2026-07-31): exception |
08/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225919107 | [Redacted] | [Redacted] | 36997147 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The appraisal to verify the reserve requirement and statement was not provided in the file. | Reviewer Comment (2026-08-06): Appraisal report received for departure residence. Exception cleared. Buyer Comment (2026-08-04): listing agreement and appraisal already uploaded Buyer Comment (2026-08-04): Listing agreement, appraisal already submitted Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): [redacted]is the mortgage statement Buyer Comment (2026-07-31): appraisal for [redacted], and what kind of statement are you referring to? |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919107 | [Redacted] | [Redacted] | 36997201 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | [redacted]) Inclusion of PITIA on departure residence as insufficient documentation is provided to allow exclusion. [redacted]) Departing residence disclosed as pending for sale on the final [redacted], but documentation of sale was not provided in the file. | Reviewer Comment (2026-08-06): Cleared. Received appraisal. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): appraisal and exception request submitted showing we can exclude the departure residence with [redacted]% equity. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919107 | [Redacted] | [Redacted] | 36997220 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | [redacted]) Inclusion of PITIA on departure residence as insufficient documentation is provided to allow exclusion. [redacted]) Departing residence disclosed as pending for sale on the final [redacted], but documentation of sale was not provided in the file. | Reviewer Comment (2026-08-06): Appraisal report received for departure residence. Exception cleared. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): departing sale docs submitted |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919107 | [Redacted] | [Redacted] | 36997225 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]) Inclusion of PITIA on departure residence as insufficient documentation is provided to allow exclusion. [redacted]) Departing residence disclosed as pending for sale on the final [redacted], but documentation of sale was not provided in the file, and [redacted] Loan Closing Disclosure was not provided in the file. | Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): [redacted] loan final CD |
08/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225919107 | [Redacted] | [Redacted] | 36997226 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | [redacted]) Inclusion of PITIA on departure residence as insufficient documentation is provided to allow exclusion. [redacted]) Departing residence disclosed as pending for sale on the final [redacted], but documentation of sale was not provided in the file. | Reviewer Comment (2026-08-06): Appraisal report received for departure residence. Exception cleared. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): departing sale docs submitted |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919107 | [Redacted] | [Redacted] | 36997237 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | [redacted] Loan Closing Disclosure was not provided in the file. | Reviewer Comment (2026-08-04): [redacted] loan Closing Disclosure received and verified. Exception cleared. Buyer Comment (2026-07-31): [redacted] loan cd submitted |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919107 | [Redacted] | [Redacted] | 36997243 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted]) Inclusion of PITIA on departure residence as insufficient documentation is provided to allow exclusion. [redacted]) Departing residence disclosed as pending for sale on the final [redacted], but documentation of sale was not provided in the file, and [redacted] Loan Closing Disclosure was not provided in the file. | Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): [redacted] loan cd submitted |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919107 | [Redacted] | [Redacted] | 37002813 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Calculated A[Redacted]ilable for Reserves of ___ is less than Guideline A[Redacted]ilable for Reserves of ___. | Assets are insufficient to cover the required reserves for the subject property and departing residence. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. Reviewer Comment (2026-08-06): Lender exception provided for [redacted] -months PITIA reserve for the departing residence. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): departing home docs submitted |
08/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225919107 | [Redacted] | [Redacted] | 37002816 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Assets are insufficient to cover the required reserves for the subject property and departing residence. | Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): departing home docs submitted |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919107 | [Redacted] | [Redacted] | 37002818 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Assets are insufficient to cover the required reserves for the subject property and departing residence. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. Reviewer Comment (2026-08-04): Appraisal remains missing. Buyer Comment (2026-07-31): departing home docs submitted |
08/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225919113 | [Redacted] | [Redacted] | 37000375 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Tax is captured from tax certificate and insurance from policy. | Reviewer Comment (2026-08-31): Bid tape d[Redacted] has updated as required. Exception cleared. Buyer Comment (2026-08-28): bid tape has been updated, please clear condition Reviewer Comment (2026-08-20): Received DSCR worksheet with DSCR [redacted] . Bid tape reflects DSCR as [redacted] which should be updated to [redacted]. Exception remains Buyer Comment (2026-08-18): please see attached worksheet with [redacted] DSCR, as per your request Reviewer Comment (2026-08-10): No new document received. Per Tax certificate([redacted]), taxes are $[redacted]/annum which is $[redacted]/monthly. P&I is $[redacted], Insurance is $[redacted]/monthly which comes to PITIA of $[redacted]. Calculated rental income is $[redacted]. Re-calculated DSCR is $[redacted]/ $[redacted] = [redacted]. Per 1008 form, DSCR is calculated to [redacted](considering taxes of $[redacted]). Require DSCR worksheet with [redacted] calculated DSCR. Exception remains. Buyer Comment (2026-08-06): please clarify why this is being requested. 1003 and 1008 were revised to correct subject property taxes to match tax cert doc [redacted]. uw notes on 1008 was stating what the dscr amount was at the time the loan approved. our bid tape and your review matches DSCR at [redacted] Reviewer Comment (2026-07-31): Received unsigned copy of 1003 loan application along with 1008. Per 1008, DSCR is [redacted] ($[redacted]), per 1003, PITIA is $[redacted] and per bid Tape d[Redacted] has DSCR [Redacted]lue of [redacted]. Require signed revised 1003 application, 1008 form with DSCR as [redacted]and bid tape d[Redacted] should be updated with [redacted] DSCR. Exception remains. Buyer Comment (2026-07-29): please see attached rev 1003 & 1008 with updated subject taxes. DSCR matches at [redacted] |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225919117 | [Redacted] | [Redacted] | 36997450 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided | HOA Questionnaire was not found in file. | Reviewer Comment (2026-08-04): HOA Questionnaire is not required as the project appro[Redacted]l documentation is a[Redacted]ilable in the file. Exception Cleared. Buyer Comment (2026-07-31): please see condo cert doc [redacted]. no questionnaire required as cert completed as limited review |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225919119 | [Redacted] | [Redacted] | 36997100 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Appraisal is missing. | Reviewer Comment (2026-09-01): Received 1004 appraisal report. Exception cleared. Buyer Comment (2026-08-28): Please see attached. Reviewer Comment (2026-08-20): Received Short term rental rent schedule which was provided in prior trailing document. Require primary appraisal report. Exception remains. Buyer Comment (2026-08-18): Please see appraisal. Reviewer Comment (2026-08-07): Received UCDP and Short-term Rental Analysis. File is missing a copy of appraisal report (1004). Exception remains Buyer Comment (2026-08-06): Please see attached. |
09/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Pur[Redacted] | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225919119 | [Redacted] | [Redacted] | 36997101 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal is missing. | Reviewer Comment (2026-09-01): Received 1004 appraisal report. Exception cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-20): Received Short term rental rent schedule which was provided in prior trailing document. Require primary appraisal report. Exception remains. Buyer Comment (2026-08-18): Waterfall Reviewer Comment (2026-08-07): Received UCDP and Short-term Rental Analysis. File is missing a copy of appraisal report (1004). Exception remains Buyer Comment (2026-08-06): Waterfall |
09/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Pur[Redacted] | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225919122 | [Redacted] | [Redacted] | 36996884 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | The only LE in file is dated [redacted] which was more than [redacted] business days after the loan application date of [redacted]. | Reviewer Comment (2026-08-03): [redacted] received [redacted] initial LE within [redacted] business days of application. Buyer Comment (2026-07-31): please see attached [redacted] LE |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919363 | [Redacted] | [Redacted] | 36997233 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | File contains Extension for filing of [redacted] tax returns. | Buyer Comment (2026-07-31): EV2 |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225919363 | [Redacted] | [Redacted] | 36997234 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | File contains Extension for filing of [redacted] tax returns. | Buyer Comment (2026-07-31): EV2 |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225919363 | [Redacted] | [Redacted] | 36997235 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | File contains Extension for filing of [redacted] tax returns. | Buyer Comment (2026-07-31): EV2 |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225919363 | [Redacted] | [Redacted] | 36997236 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee of $[redacted] was not disclosed to the borrower until the final Closing Disclosure. No [Redacted]lid change in circumstance or cure was provided. | Reviewer Comment (2026-08-04): [redacted] received Post CD and LOX. Buyer Comment (2026-08-03): PCCD Buyer Comment (2026-08-03): pccd - [redacted] didn't require the survey |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225920045 | [Redacted] | [Redacted] | 37007721 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided | Currency Converter/Exchange (Asset) document is missing in the file for the Bank statement account [Redacted]#[redacted] | Reviewer Comment (2026-07-28): Re[Redacted]lidated per the provided currency conversion documentation. Currency conversion supports the reported asset amount. Exception cleared. Buyer Comment (2026-07-24): please clear, currency conversion is on [redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225920156 | [Redacted] | [Redacted] | 36997530 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. | Reviewer Comment (2026-07-29): Cleared. Received update title in trailing docs. Buyer Comment (2026-07-23): revised title commitment |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Pur[Redacted] | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225920579 | [Redacted] | [Redacted] | 37006882 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-08-19): Title Supplemental report provided in file with title coverage amount-Exception cleared Buyer Comment (2026-08-18): Please see attached |
08/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225920579 | [Redacted] | [Redacted] | 37006889 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Loan designation discrepancy due to inconsistent liabilities. Total documented monthly debts of $[redacted]. Lender calculated monthly debts of $[redacted]. | Reviewer Comment (2026-08-10): Updated 1008 received, DTI within guideline threshold of [redacted]%, exception cleared Buyer Comment (2026-08-07): Please see updated 1008 |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225920579 | [Redacted] | [Redacted] | 37006900 | Credit | Document Inventory | [Redacted] | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Reviewer Comment (2026-08-10): Final 1003 associated, exception cleared Buyer Comment (2026-08-07): Please see attached. |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225920579 | [Redacted] | [Redacted] | 37006905 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | HOI policy effective date of [redacted]. Disbursement date of [redacted]. | Reviewer Comment (2026-08-19): Hazard Insurance Policy effective date is same as the funds disbursed date - Exception clear Buyer Comment (2026-08-18): The loan was funded on [redacted] which is the date of the insurance effective date. Based on this, this condition should be cleared. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225920579 | [Redacted] | [Redacted] | 37007027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to inconsistent liabilities. Total documented monthly debts of $[redacted]. Lender calculated monthly debts of $[redacted]. | Reviewer Comment (2026-08-10): Updated 1008 received, DTI within guideline threshold of [redacted]%, exception cleared Buyer Comment (2026-08-07): Waterfall |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225920579 | [Redacted] | [Redacted] | 37007030 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Loan designation discrepancy due to inconsistent liabilities. Total documented monthly debts of $[redacted]. Lender calculated monthly debts of $[redacted]. | Reviewer Comment (2026-08-10): Updated 1008 received, DTI within guideline threshold of [redacted]%, exception cleared Buyer Comment (2026-08-07): Waterfall |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225920579 | [Redacted] | [Redacted] | 37007037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | Loan designation discrepancy due to inconsistent liabilities. Total documented monthly debts of $[redacted]. Lender calculated monthly debts of $[redacted]. | Reviewer Comment (2026-08-10): Updated 1008 received, DTI within guideline threshold of [redacted]%, exception cleared Buyer Comment (2026-08-07): Waterfall |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225920579 | [Redacted] | [Redacted] | 37007039 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan designation discrepancy due to inconsistent liabilities. Total documented monthly debts of $[redacted]. Lender calculated monthly debts of $[redacted]. | Reviewer Comment (2026-08-10): Updated 1008 received, DTI within guideline threshold of [redacted]%, exception cleared Buyer Comment (2026-08-07): Waterfall |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225920579 | [Redacted] | [Redacted] | 37007040 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Loan designation discrepancy due to inconsistent liabilities. Total documented monthly debts of $[redacted]. Lender calculated monthly debts of $[redacted]. | Reviewer Comment (2026-08-10): Updated 1008 received, DTI within guideline threshold of [redacted]%, exception cleared |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225920579 | [Redacted] | [Redacted] | 37007086 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Loan designation discrepancy due to inconsistent liabilities. Total documented monthly debts of $[redacted]. Lender calculated monthly debts of $[redacted]. | Reviewer Comment (2026-08-10): Updated 1008 received, DTI within guideline threshold of [redacted]%, exception cleared |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225921359 | [Redacted] | [Redacted] | 37007622 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of d[Redacted] related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | Reviewer Comment (2026-07-30): Received updated 1003 is verified and associated, exception cleared. Buyer Comment (2026-07-28): 1003 |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225921359 | [Redacted] | [Redacted] | 37007636 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File was missing supporting document to verify remaining expenses $[redacted] after adding tax and insurance expenses. | Reviewer Comment (2026-07-30): Received updated 1003 is verified and associated, exception cleared. Buyer Comment (2026-07-28): Corrected |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225921359 | [Redacted] | [Redacted] | 37007638 | Compliance | Compliance | Federal Compliance | Missing Required D[Redacted] (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Reviewer Comment (2026-07-30): Received updated Initial 1003 is verified and associated, exception cleared. Buyer Comment (2026-07-28): See uploads |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225921388 | [Redacted] | [Redacted] | 37007783 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No cure or [Redacted]lid COC provided. | Reviewer Comment (2026-08-11): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-08-10): borrower selected Reviewer Comment (2026-07-31): [redacted] received Letter of explanation and Corrected Closing disclosure. However, we also required supporting evidence as to why the fee was moved to one section to another section. If the service is optional (borrower chosen and not required by title or lender) and the pest inspection completed on their own, then please provide attestation letter for the same in order to clear this exception. Buyer Comment (2026-07-29): pest inspection fee required by the sales contract in section [redacted], moved to section [redacted] as a third party fee. Buyer Comment (2026-07-29): PCCD |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225921570 | [Redacted] | [Redacted] | 37007767 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. | Reviewer Comment (2026-07-30): Received Appraisal delivery notice. Exception cleared. Buyer Comment (2026-07-28): Is this condition due to missing appraisal delivery? See uploaded proof of appraisal delivery |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225921570 | [Redacted] | [Redacted] | 37007768 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. | Reviewer Comment (2026-07-30): Received Appraisal delivery notice. Exception cleared. Buyer Comment (2026-07-28): Proof of appraisal delivery |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225921570 | [Redacted] | [Redacted] | 37007771 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) [Redacted] Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details) | [redacted] Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. | Reviewer Comment (2026-07-30): Received Appraisal delivery notice. Exception cleared. Buyer Comment (2026-07-28): Is this condition due to missing appraisal delivery? See uploaded proof of appraisal delivery |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225921570 | [Redacted] | [Redacted] | 37007772 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-07-30): Received Appraisal delivery notice. Exception cleared. Buyer Comment (2026-07-28): Is this condition due to missing appraisal delivery? See uploaded proof of appraisal delivery |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225921570 | [Redacted] | [Redacted] | 37007774 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225921570 | [Redacted] | [Redacted] | 37007793 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | [Redacted]lid Visa is missing for the borrowers, [redacted] and [redacted]. | Reviewer Comment (2026-07-30): Provided a [Redacted]lid ITIN document for both borrowers with driving license and ITIN requirement has been satisfied. Exception cleared. Buyer Comment (2026-07-28): Please see [redacted] |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225921570 | [Redacted] | [Redacted] | 37013698 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | [Redacted]lid Visa is missing for the borrowers, [redacted] and [redacted]. | Reviewer Comment (2026-07-30): Provided a [Redacted]lid ITIN document for both borrowers with driving license and ITIN requirement has been satisfied. Exception cleared. Buyer Comment (2026-07-28): Please see [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225921570 | [Redacted] | [Redacted] | 37108683 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Buyer Comment (2026-07-30): Approved waiver list |
07/30/2026 | No | 2 | B | B | B | B | B | MA | Primary | Pur[Redacted] | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| 225924724 | [Redacted] | [Redacted] | 37006425 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No [Redacted]lid Change of Circumstance (COC) was provided for this change, nor evidence of cure. Provide a post-closing Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation (LOE) to the borrower disclosing the changes made. | Reviewer Comment (2026-08-17): [redacted] received [Redacted]lid rebuttal comment and supporting [redacted] was already provided in file for the fee was added. Buyer Comment (2026-08-13): [redacted] [redacted]- [Redacted] - [redacted] *BestEfforts NO MI REQUIRED* [redacted] Revised LE [redacted]- [Redacted] - [redacted] *BestEfforts NO MI REQUIRED* The [Redacted]lid COC is that the appraisal was received [redacted] and the [Redacted]lue was then updated which put the LTV at [redacted]%. Front end guidelines require a secondary [Redacted]luation if LTV is over [redacted]% regardless of the CU score: Per our guides A CDA or CCA is required if LTV/CLTV >[redacted]regardless of CU score. [redacted] was within [redacted], so timing was met. Please clear condition. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225924724 | [Redacted] | [Redacted] | 37006426 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No [Redacted]lid Change of Circumstance (COC) was provided for this change, but evidence of cure was provided. | Reviewer Comment (2026-08-04): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-07-31): This credit was credit on the final CD. Please clear condition. |
08/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225924724 | [Redacted] | [Redacted] | 37240693 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | CT | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225924736 | [Redacted] | [Redacted] | 37007668 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The only Closing Disclosure in file is dated [redacted] which was just [redacted]one day prior to closing. | Reviewer Comment (2026-08-06): [redacted] received [redacted] Initial CD, [redacted] days prior to the consummation. Buyer Comment (2026-08-05): Please see the CD from [redacted] which allowed enough time. Please clear condition. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225924736 | [Redacted] | [Redacted] | 37007670 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted] exceeds tolerance of $[redacted] plus $[redacted]. $[redacted] over legal limit due to an increase in the Recording fee. No [Redacted]lid change of circumstance found in file for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-08-17): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-13): Please see attached. Reviewer Comment (2026-08-07): [redacted]: The title CD received with increase amount is not a [Redacted]lid changed circumstance in order for a fee to be re-baselined. Cure is required to borrower. Buyer Comment (2026-08-06): Please see prelim CD provided by the title compa[Redacted] which shows the increased recording fees. Please clear condition. Reviewer Comment (2026-08-06): [redacted] received updated CD and rebuttal comment. However, this does not sufficiently explain the reason for the fee increase and what impacts that need to record additional unanticipated document. Please provide supporting documentation or a detailed explanation to substantiate the increase in the recording fee or Cure is required to borrower. Buyer Comment (2026-08-05): Please see the CD from [redacted] which states Recording fees are increased based on need to record additional unanticipated documents such as release of prior lien. This was disclosed within enough time. Please clear condition. |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225924843 | [Redacted] | [Redacted] | 37007931 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI [Redacted]riance is due to property tax calculation. For [redacted] pur[Redacted] loans, we use [redacted]% of the pur[Redacted] price, whereas the [redacted] uses the actual tax amount from the Tax Certificate. Lender exception approved to allow up to [redacted]% DTI. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Client elects to waive with compensating factors. Buyer Comment (2026-08-19): appro[Redacted]l uploaded on [redacted] ready for review Buyer Comment (2026-08-18): Disregard, finishing up the appro[Redacted]l Buyer Comment (2026-08-18): updated exception for DTI up to [redacted]submitted |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225924843 | [Redacted] | [Redacted] | 37008006 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI [Redacted]riance is due to property tax calculation. For [redacted] pur[Redacted] loans, we use [redacted]% of the pur[Redacted] price, whereas the [redacted] uses the actual tax amount from the Tax Certificate. | Reviewer Comment (2026-08-20): Lender exception approved for DTI up to [redacted]%. Condition cleared. Buyer Comment (2026-08-19): appro[Redacted]l uploaded on [redacted] ready for review Buyer Comment (2026-08-18): Disregard, finishing up the appro[Redacted]l Buyer Comment (2026-08-18): updated exception for DTI up to [redacted]submitted |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225924843 | [Redacted] | [Redacted] | 37008007 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI [Redacted]riance is due to property tax calculation. For [redacted] pur[Redacted] loans, we use [redacted]% of the pur[Redacted] price, whereas the [redacted] uses the actual tax amount from the Tax Certificate. | Reviewer Comment (2026-08-20): Lender exception approved for DTI up to [redacted]%. Condition cleared. Buyer Comment (2026-08-19): appro[Redacted]l uploaded on [redacted] ready for review Buyer Comment (2026-08-18): Disregard, finishing up the appro[Redacted]l Buyer Comment (2026-08-18): updated exception for DTI up to [redacted] submitted |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225924843 | [Redacted] | [Redacted] | 37008010 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225924843 | [Redacted] | [Redacted] | 37008028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Revised Loan Estimate was issued on [redacted] and acknowledged by the borrower on [redacted]. | Reviewer Comment (2026-07-31): [redacted] received disclosure summary for revised LE. Buyer Comment (2026-07-30): proof of delivery |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225924843 | [Redacted] | [Redacted] | 37011637 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request that these be considered for the [redacted], so that we can use them as income. Borrower is willing to pay for a third-party [Redacted]luation to support the [Redacted]lue of these stocks. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-17): Waived at buyers request |
07/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225924998 | [Redacted] | [Redacted] | 37007722 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | HOA Questionnaire Document missing in Loan File. | Reviewer Comment (2026-07-31): Project appro[Redacted]l received. Exception cleared. Buyer Comment (2026-07-29): please clear, the aprvl cert is acceptable confirmation. Reviewer Comment (2026-07-24): Condo appro[Redacted]l has been received; however, we still require the HOA questionnaire to determine whether the condo/co-op is warrantable. Exception remains. Buyer Comment (2026-07-22): condo aprvl cert upld |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225924998 | [Redacted] | [Redacted] | 37203624 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: FICO | Reviewer Comment (2026-08-19): Tape D[Redacted] Bid Tape [Redacted]lue has been updated FICO Qualifying score as [redacted]. Exception cleared. Buyer Comment (2026-08-17): please clear, the bid tape has been updated Reviewer Comment (2026-08-13): The bid tape details have not been updated. Exception Remains. Buyer Comment (2026-08-12): revised 1008 upld, fico is [redacted], bid tape will be updated |
08/19/2026 | No | 1 | A | A | A | A | A | ND | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225924999 | [Redacted] | [Redacted] | 37007574 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in file. | Reviewer Comment (2026-07-30): Certificate of Good Standing already in file. Exception Cleared. Buyer Comment (2026-07-29): [redacted]is the good standing. It is a recent document that the business is in full force and effect. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225925002 | [Redacted] | [Redacted] | 37015006 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Borrower signed Security Instrument and placed date as [redacted] and Notary listed date at [redacted] | Reviewer Comment (2026-07-31): Security Instrument with signed date of [redacted], cleared Buyer Comment (2026-07-31): recorded mortgage with corrected date upld |
07/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225925018 | [Redacted] | [Redacted] | 37007731 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee on Closing Disclosure is $[redacted] and on Loan Estimate $[redacted]. No [Redacted]lid Change circumstance in file. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225925065 | [Redacted] | [Redacted] | 37015695 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225925069 | [Redacted] | [Redacted] | 37008102 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-07-24): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-23): PCCD, LOX, Label and Check |
07/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225925075 | [Redacted] | [Redacted] | 37008159 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-07): Appraisal delivery receipt date verified, Exception Cleared Buyer Comment (2026-08-05): Waterfall |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225925075 | [Redacted] | [Redacted] | 37008162 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] is missing evidence of receipt. | Reviewer Comment (2026-08-07): Appraisal delivery receipt date verified, Exception Cleared Buyer Comment (2026-08-05): Please see appraisal delivery. This was delivered to the borrower on [redacted]. Please review the top of the page. Please clear condition. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225925075 | [Redacted] | [Redacted] | 37016431 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225925118 | [Redacted] | [Redacted] | 37007882 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Buyer Comment (2026-08-17): Please see attached. Reviewer Comment (2026-08-07): [redacted] received rebuttal comment but as per UCDP document the CU score was received on [redacted] but as per CDs CDA fee was added on [redacted] which is not within required [redacted] days from the date of changes received. Please provide more information to [Redacted]lidate the timing requirement or cure would be required. Buyer Comment (2026-08-05): Based up on the CU score of [redacted], the Appraisal Review was required. Please clear condition. |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225925118 | [Redacted] | [Redacted] | 37007883 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-08-07): ITIN and Driver license a[Redacted]ilable in loan file. Exception cleared. Buyer Comment (2026-08-05): Please see attached. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225925118 | [Redacted] | [Redacted] | 37007902 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | [redacted]: verification of non-U.S. citizen document is missing. | Reviewer Comment (2026-08-07): ITIN and Driver license a[Redacted]ilable in loan file. Exception cleared. Buyer Comment (2026-08-05): Waterfall |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225927468 | [Redacted] | [Redacted] | 37016436 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-29): Cleared. Received title supplement in trailing docs. Buyer Comment (2026-07-23): title sup |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225929061 | [Redacted] | [Redacted] | 37018408 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Provided policy is not covering the note date; however, an existing policy is required in the file. | Reviewer Comment (2026-07-22): Hazard Insurance Policy with updated effective date, cleared Buyer Comment (2026-07-22): This transaction is a refinance. I have provided you with the unexpired policy. Now you have both the old and the new policy. Please clear condition. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225929061 | [Redacted] | [Redacted] | 37020899 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN due to name/SSN mismatch, please provide updated ADV report with [Redacted]lid search report for guarantor. | Reviewer Comment (2026-07-22): Fraud report with no SSN issue(s), cleared Buyer Comment (2026-07-22): Please see the final fraud report which shows that the SSN has been cleared. Please clear condition. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225930089 | [Redacted] | [Redacted] | 37017146 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WV | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225930092 | [Redacted] | [Redacted] | 37018891 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The underwriter used income of $[redacted] to qualify the borrowers; however, the borrowers were qualified with an income of $[redacted]; the DTI was changed to [redacted]%. | Reviewer Comment (2026-08-04): Bid tape d[Redacted] corrected as per the updated 1008. Exception Cleared. Buyer Comment (2026-08-03): Bid tape has been corrected Reviewer Comment (2026-07-29): Received 1003 and 1008 with correct DTI, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-07-27): 1003 & 1008 Reviewer Comment (2026-07-24): Received UW worksheet reflecting monthly income $[redacted]and $[redacted]are already provided in file. Exception remains. Buyer Comment (2026-07-22): see income calculations |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225930446 | [Redacted] | [Redacted] | 37018785 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Loan Estimate provided on [redacted] not executed. | Reviewer Comment (2026-07-28): [redacted] received earliest receipt of LE dated [redacted]. Seller Comment (2026-07-27): Please review the attached disclosure tracking summary - the [redacted] LE was delivered [redacted]days prior to the consummation date [redacted]. Reviewer Comment (2026-07-24): [redacted] received LEs dated [redacted] and [redacted] which are already in file. Regraded to EV2-B as the Revised LE issued [redacted] missing proof of receipt within [redacted]business days prior to closing, but Final LE [redacted]was received at least [redacted]business days prior to closing. Please provide earliest receipt of LE dated [redacted]. Seller Comment (2026-07-23): LE AND ECONSENT |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Pur[Redacted] | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225930446 | [Redacted] | [Redacted] | 37018798 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing business bank statements for employer "[redacted]" of borrower from [redacted] to [redacted]. | Reviewer Comment (2026-07-30): Received bank statements from [redacted] [redacted]to [redacted] [redacted] for [redacted] bank statements, Exception Cleared Seller Comment (2026-07-28): [redacted] of Bank Statements Upld Reviewer Comment (2026-07-27): Received duplicate bank statements. Please provide statements for [redacted] [redacted]to [redacted] [redacted] as noted on UW worksheet for [redacted]. Seller Comment (2026-07-23): [redacted] of Bank Statements Upld - Refer to Articles of Amendments |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225930446 | [Redacted] | [Redacted] | 37018799 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing business bank statements for employer "[redacted]" of borrower from [redacted] to [redacted]. | Reviewer Comment (2026-07-30): Received bank statements from [redacted] [redacted]to [redacted] [redacted] for [redacted] bank statements, Exception Cleared Seller Comment (2026-07-28): [redacted] Bank statements Reviewer Comment (2026-07-27): Received duplicate bank statements. Please provide statements for [redacted] [redacted]to [redacted] [redacted] as noted on UW worksheet for [redacted]. Seller Comment (2026-07-23): [redacted] of Bank Statements Upld - Refer to Articles of Amendments |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930446 | [Redacted] | [Redacted] | 37018804 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing business bank statements for employer "[redacted]" of borrower from [redacted] to [redacted]. | Reviewer Comment (2026-07-30): Received bank statements from [redacted] [redacted]to [redacted] [redacted] for [redacted] bank statements, Exception Cleared Seller Comment (2026-07-28): [redacted] Bank statements Reviewer Comment (2026-07-27): Received duplicate bank statements. Please provide statements for [redacted] [redacted]to [redacted] [redacted] as noted on UW worksheet for [redacted]. Seller Comment (2026-07-23): [redacted] of Bank Statements Upld - Refer to Articles of Amendments |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930446 | [Redacted] | [Redacted] | 37018805 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Missing business bank statements for employer "[redacted]" of borrower from [redacted] to [redacted]. | Reviewer Comment (2026-07-30): Received bank statements from [redacted] [redacted]to [redacted] [redacted] for [redacted] bank statements, Exception Cleared Seller Comment (2026-07-28): [redacted] Bank Statements Reviewer Comment (2026-07-27): Received duplicate bank statements. Please provide statements for [redacted] [redacted]to [redacted] [redacted] as noted on UW worksheet for [redacted]. Seller Comment (2026-07-23): [redacted] of Bank Statements Upld - Refer to Articles of Amendments |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930446 | [Redacted] | [Redacted] | 37018808 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business bank statements for employer "[redacted]" of borrower from [redacted] to [redacted]. | Reviewer Comment (2026-07-30): Received bank statements from [redacted] [redacted]to [redacted] [redacted] for [redacted] bank statements, Exception Cleared Seller Comment (2026-07-28): [redacted] statements Reviewer Comment (2026-07-27): Received duplicate bank statements. Please provide statements for [redacted] [redacted]to [redacted] [redacted] as noted on UW worksheet. Seller Comment (2026-07-23): [redacted] of Bank Statements Upld - Refer to Articles of Amendments |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930446 | [Redacted] | [Redacted] | 37018811 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing business bank statements for employer "[redacted]" of borrower from [redacted] to [redacted]. | Reviewer Comment (2026-07-30): Received bank statements from [redacted] [redacted]to [redacted] [redacted] for [redacted] bank statements, Exception Cleared Seller Comment (2026-07-28): [redacted] Bank Statements Reviewer Comment (2026-07-27): Received duplicate bank statements. Please provide statements for [redacted] [redacted]to [redacted] [redacted] as noted on UW worksheet. Seller Comment (2026-07-23): [redacted] of Bank Statements Upld - Refer to Articles of Amendments Seller Comment (2026-07-23): Business name changed in [redacted] - Please review the Articles of Amendment and the [redacted] of bank statements Seller Comment (2026-07-23): Business name changed in [redacted]- Please review the Articles of Amendment and the [redacted] of bank statements |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930446 | [Redacted] | [Redacted] | 37078442 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Received duplicate bank statements. Please provide statements for [redacted] to [redacted] as noted on UW worksheet for [redacted] months. | Reviewer Comment (2026-07-30): Received bank statements from [redacted] [redacted]to [redacted] [redacted] for [redacted] bank statements, Exception Cleared Seller Comment (2026-07-28): [redacted] Bank statements Seller Comment (2026-07-28): [redacted] statements |
07/30/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225930447 | [Redacted] | [Redacted] | 37017319 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for REO [redacted]: | Reviewer Comment (2026-07-23): Received Mortgage statement of REO property "[redacted]" Exception cleared. Seller Comment (2026-07-21): stmt |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930447 | [Redacted] | [Redacted] | 37017320 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-23): Received E-Sign Consent Agreement document, information [Redacted]lidated. Exception Cleared. Seller Comment (2026-07-21): e-consent |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930447 | [Redacted] | [Redacted] | 37017322 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to P&L statement was fewer than the number of months required by guidelines. | Reviewer Comment (2026-07-30): [redacted] P&L statement received. Details verified and updated. Exception cleared. Seller Comment (2026-07-28): P&L [redacted] Seller Comment (2026-07-28): P&L [redacted]attached Reviewer Comment (2026-07-23): Require [redacted] P&L to clear the exception as after received P&l for year Period [redacted] to [redacted] however still not meeting [redacted] requirement. Exception Remains. Seller Comment (2026-07-21): P&L |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225930447 | [Redacted] | [Redacted] | 37017323 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Number of Months P&L Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines | Reviewer Comment (2026-07-30): [redacted] P&L statement received. Details verified and updated. Exception cleared. Seller Comment (2026-07-28): P&L [redacted]attached Seller Comment (2026-07-28): p&l [redacted] Reviewer Comment (2026-07-23): Require [redacted] P&L to clear the exception as after received P&l for year Period [redacted] to [redacted] however still not meeting [redacted] requirement. Exception Remains. Seller Comment (2026-07-22): P&L attached |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930447 | [Redacted] | [Redacted] | 37017324 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to P&L statement was fewer than the number of months required by guidelines. | Reviewer Comment (2026-07-30): [redacted] P&L statement received. Details verified and updated. Exception cleared. |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930447 | [Redacted] | [Redacted] | 37017325 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien pur[Redacted] transaction did not disclose a[Redacted] Seller paid fees/charges on page [redacted]. | Seller closing disclosure is missing. | Reviewer Comment (2026-07-31): [redacted] received a seller CD with seller paid closing costs. Seller Comment (2026-07-30): SELLER CD |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225930447 | [Redacted] | [Redacted] | 37017326 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to P&L statement was fewer than the number of months required by guidelines. | Reviewer Comment (2026-07-30): [redacted] P&L statement received. Details verified and updated. Exception cleared. Seller Comment (2026-07-28): P&L [redacted]attached Seller Comment (2026-07-28): p&L [redacted] Reviewer Comment (2026-07-23): Require [redacted] P&L to clear the exception as after received P&l for year Period [redacted] to [redacted] however still not meeting [redacted] requirement. Exception Remains Seller Comment (2026-07-21): P&L |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930447 | [Redacted] | [Redacted] | 37023546 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide LOE for properties [redacted] and [redacted] . [redacted] states [redacted] Retained and [redacted] D1[redacted] states [redacted] sold. and list unpaid principle bal of $[redacted] which is the same amount for [redacted] Ave. will need corrected [redacted] aswell | Reviewer Comment (2026-07-30): Updated 1003 received. Exception cleared. Seller Comment (2026-07-28): FINAL 1003 UPDATED Seller Comment (2026-07-28): Final 1003 attached Reviewer Comment (2026-07-23): Require Corrected revised final 1003 document, provided LOE will not suffice the exception. Exception Remains. Seller Comment (2026-07-21): LOE |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930447 | [Redacted] | [Redacted] | 37024014 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] | Please provide LOE for properties [redacted] and [redacted] . [redacted] states [redacted] Retained and [redacted] D1[redacted] states [redacted] sold. and list unpaid principle bal of $[redacted] which is the same amount for [redacted] Ave. will need corrected [redacted] aswell | Reviewer Comment (2026-07-30): Updated 1003 received. Exception cleared. Seller Comment (2026-07-28): Final 1003 attached Seller Comment (2026-07-28): UPDATED 1003 Reviewer Comment (2026-07-24): Provide revised 1003, exception remains. Seller Comment (2026-07-22): LOE attached |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225937441 | [Redacted] | [Redacted] | 37018396 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-07): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-08-06): econsent |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225937441 | [Redacted] | [Redacted] | 37018440 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender's credit decreased in the final Closing Disclosure. No [Redacted]lid COC in file. | Reviewer Comment (2026-08-17): [redacted] Received [Redacted]lid COC dated [redacted] along with lock showing pricing change. Buyer Comment (2026-08-14): Please review the [redacted]and [redacted] locks with changes highlighted on the [redacted]lock Reviewer Comment (2026-08-07): [redacted] received COC with additional information, however in case when loan amount change the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased or FICO score decreased. Though an LTV [redacted] change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower. Buyer Comment (2026-08-06): [redacted]is the COC form. The lender credits dropped because the loan amount lowered. Lender credits aren't allowed to be over a certain percentage of the loan amount. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225937642 | [Redacted] | [Redacted] | 37022457 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Exchange Agreement was not found in the file to document funds. | Reviewer Comment (2026-07-27): Cleared. Received required doc for [redacted]funds. Reviewer Comment (2026-07-24): Required proof of exchange amount of "$[redacted]". Exception remains. Buyer Comment (2026-07-22): 1031 exchange |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | IN | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225937826 | [Redacted] | [Redacted] | 37018940 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception as per [redacted] - CLTV to [redacted]%, FTHB and employment history with WVOE income using base salary with currency converter in file for monthly salary. The Lender Exception document was not found in the file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-22): exception |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225937826 | [Redacted] | [Redacted] | 37018951 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee in loan estimate is $[redacted], and Closing Disclosure reflects $[redacted]. No [Redacted]lid COC was found in file, however Lender Cure was provided at closing. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225937829 | [Redacted] | [Redacted] | 37017786 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered within [redacted] business days of application. | Reviewer Comment (2026-08-03): [redacted] Received earliest E-Consent dated [redacted]. Buyer Comment (2026-07-31): econsent |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225937829 | [Redacted] | [Redacted] | 37017787 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-19): Sufficient Cure Provided At Closing |
07/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225937908 | [Redacted] | [Redacted] | 37204110 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: DSCR | Reviewer Comment (2026-08-17): DSCR updated as [redacted]. Exception Cleared. Reviewer Comment (2026-08-13): Received DSCR calculation worksheet and Form 1025. Bid tape DSCR is still pending update to match the DSCR calculation of [redacted]. Exception remains. Buyer Comment (2026-08-11): [redacted] disagrees with [redacted] rent calc of $[redacted] Per 1007, actual rents match market rents. ADU is marked [Redacted]cant as currently owner-occupied. Total market rents = [redacted] [redacted]/ [redacted]= [redacted] Buyer Comment (2026-08-11): 1007; DSCR Calc |
08/17/2026 | No | 1 | A | A | A | A | A | MA | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225937908 | [Redacted] | [Redacted] | 37219252 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Reviewer Comment (2026-08-17): DSCR matched with underwriting worksheet. Exception Cleared. Buyer Comment (2026-08-13): [redacted] has updated our bid tape to reflect DSCR of [redacted] |
08/17/2026 | No | 1 | A | A | A | A | A | MA | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| 225938500 | [Redacted] | [Redacted] | 37017577 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE document not provided. | Reviewer Comment (2026-08-03): VOE received, exception cleared Buyer Comment (2026-07-30): Please see the VOE dated [redacted] which is [redacted] day prior to closing. Please clear condition. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225938500 | [Redacted] | [Redacted] | 37017588 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall effect identified due to the absence of a Verbal Verification of Employment (VVOE) document. | Reviewer Comment (2026-08-03): VOE received, exception cleared Buyer Comment (2026-07-30): Waterfall |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225938500 | [Redacted] | [Redacted] | 37017589 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall effect identified due to the absence of a Verbal Verification of Employment (VVOE) document. | Reviewer Comment (2026-08-03): VOE received, exception cleared Buyer Comment (2026-07-30): Waterfall |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225938500 | [Redacted] | [Redacted] | 37017591 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The aggregate fees subject to the [redacted]% tolerance threshold totaled $[redacted], exceeding the allowable tolerance of $[redacted] ($[redacted] plus [redacted]%). A sufficient cure was provided to the borrower at closing. | Reviewer Comment (2026-07-18): Sufficient Cure Provided At Closing |
07/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225953973 | [Redacted] | [Redacted] | 37022370 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-24): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-22): audit trail |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225956042 | [Redacted] | [Redacted] | 37024210 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225956042 | [Redacted] | [Redacted] | 37024502 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Departing residence at [redacted]. is listed for sale, but there is not documentation showing the property has sold. Therefore, departing residence PITI is included in DTI calculations. | Reviewer Comment (2026-09-01): Bid tape updated. Buyer Comment (2026-08-28): Please review d[Redacted] compare. We are now within the .[redacted]% [Redacted]riance. Please clear condition. Reviewer Comment (2026-08-21): Received updated 1008 with correct DTI, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-19): Please see attached |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956042 | [Redacted] | [Redacted] | 37024771 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI [Redacted]riance: Departing residence at [redacted]. is listed for sale, but there is not documentation showing the property has sold. Therefore, departing residence PITI is included in DTI calculations. | Reviewer Comment (2026-09-01): Bid tape updated. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-21): Received updated 1008 with correct DTI, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-19): Waterfall |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225956042 | [Redacted] | [Redacted] | 37024778 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Departing residence at [redacted]. is listed for sale, but there is not documentation showing the property has sold. Therefore, departing residence PITI is included in DTI calculations. | Reviewer Comment (2026-09-01): Bid tape updated. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-21): Received updated 1008 with correct DTI, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-19): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956275 | [Redacted] | [Redacted] | 37029790 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Missing Signed and Executed Note - Subject Lien in the Loan file. | Reviewer Comment (2026-08-06): Signed and Executed Note, cleared Buyer Comment (2026-08-06): note |
08/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225956275 | [Redacted] | [Redacted] | 37029791 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Missing Signed and Executed Note Addendum - Prepayment in the Loan file. | Reviewer Comment (2026-08-06): Signed and Executed Note Addendum, cleared Buyer Comment (2026-08-06): ppp note addendum |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | Yes | ||||||||||||||
| 225956306 | [Redacted] | [Redacted] | 37029772 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted] threshold. | Reviewer Comment (2026-08-11): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-08-10): PCCD |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NH | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225956306 | [Redacted] | [Redacted] | 37029779 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]/[redacted] was not provided. | - | [redacted] is missing in the file. | Reviewer Comment (2026-08-07): Received 1004D report. Exception cleared. Buyer Comment (2026-08-05): 1004d |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Pur[Redacted] | C | B | A | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225956318 | [Redacted] | [Redacted] | 37029957 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. | - | The provided Credit Report is more than [redacted] days from the Note Date. A Credit Report within [redacted] days from the Note Date is required. | Reviewer Comment (2026-07-29): Re[Redacted]lidated the credit report order date information. Exception cleared. Buyer Comment (2026-07-27): The date on the credit report is [redacted]. The close date is [redacted]which is [redacted]days. Please clear condition. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225956318 | [Redacted] | [Redacted] | 37029977 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The Fraud Report is missing from the loan file. | Reviewer Comment (2026-07-29): Fraud Report - cleared Buyer Comment (2026-07-29): Please see attached Reviewer Comment (2026-07-29): Provided [Redacted] [redacted] Connect document is an Alerts Summary only. The complete fraud report is required for review. Exception remains. Buyer Comment (2026-07-27): Please see attached. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225956319 | [Redacted] | [Redacted] | 37029833 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for no landlord history. Exception appro[Redacted]l form is missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Client elects to waive with complensating factors. Reviewer Comment (2026-07-24): Lender exception appro[Redacted]l provided to waive landlord history requirement for first time homebuyer. Buyer Comment (2026-07-22): exception |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 225956319 | [Redacted] | [Redacted] | 37060761 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for pri[Redacted]te VOR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Client elects to waive with complensating factors. |
07/24/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225956341 | [Redacted] | [Redacted] | 37034104 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted] , not the borrowing entity, [redacted] . Please provide evidence that [redacted] has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-08-03): Received Quit Claim Deed with Borrower updated in Vesting. Exception cleared. Buyer Comment (2026-07-31): deed upld |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225956343 | [Redacted] | [Redacted] | 37029703 | Credit | System | [Redacted] | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate shows city name as [redacted] instead of [redacted] reflected on Note. | Reviewer Comment (2026-07-31): Received revised Flood cert document with correct property address to clear the exception. Exception Cleared. Buyer Comment (2026-07-30): revised flood cert upld |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225956343 | [Redacted] | [Redacted] | 37029711 | Compliance | Compliance | State Compliance | State Defect | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty ([redacted]; [redacted]) - Permissive Method | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty (Prior to [redacted]): Alternate prepayment penalty testing methodology utilized under §[redacted] allowing prepays over prescribed limits (greater than [redacted] months or [redacted] months' ad[Redacted]nced interest on prepayment in excess of [redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [redacted] outside counsel given the ambiguity in the state law. | Buyer Comment (2026-08-04): ok to waive Reviewer Comment (2026-07-31): This EV2-B exception is being cited as the deal setting for [redacted] Prepayment Penalty is set to Permissive Method. When Permissive Method, which is considered an alternate testing methodology, is selected, the EV2-B exception is cited. Below are details from the [redacted] Prepayment Penalty deal setting, but further information can be found in the [redacted]-[redacted] External Compliance Bulletin, which I have attached. From the deal setting: MD Commercial Law Code § [redacted] is an Interest and Usury statute that outlines charges not considered interest under state law. § [redacted]describes the prepayment penalty requirement, in part, as, "...if the loan contract provides for them, the following fees and charges also [redacted] be collected and are not interest under this subtitle...". The ambiguity in the regulation allows one to interpret the prepay as either "limiting" or as "permissive". [redacted]'s outside counsel has advised that while there is a reasonable basis for both interpretations, they believe the limiting method is the more accurate interpretation and serves as the default. Client [redacted] customize deal setting to use permissive method based on their interpretation and risk tolerance. Limiting Method (DEFAULT) - § [redacted] is interpreted to mean that prepays are to be collected under the amounts prescribed without exceeding those prescribed limits. An EV3 exception will be cited for prepays in excess of prescribed limits. Permissive Method - § [redacted] is interpreted to mean that while you can charge over the amounts prescribed, only those amounts made under the limits are not considered interest with a[Redacted] amount over the limit to be included as interest. An EV2 exception will be cited for use of the alternate testing methodology. Reviewer Comment (2026-07-31): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-29): please clarify what you are needing to clear this condition? |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225956345 | [Redacted] | [Redacted] | 37030200 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Title Preliminary Report in the file does not disclose the total policy coverage amount. Provide evidence of title with sufficient policy coverage. | Reviewer Comment (2026-08-17): Final Title Policy with policy coverage amount is provided. Exception cleared. Buyer Comment (2026-08-14): final title Reviewer Comment (2026-08-07): Required preliminary title report or supplemental report with policy amount to clear this condition. Exception remains. Buyer Comment (2026-08-06): title coverage |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956345 | [Redacted] | [Redacted] | 37030204 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title was not found in file. | Reviewer Comment (2026-08-19): Final title provided |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956345 | [Redacted] | [Redacted] | 37030215 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Provide a CPA letter for [redacted], doing business as [redacted], confirming that the applicable business expense ratio is [redacted]%. | Reviewer Comment (2026-08-07): Business search present in file reflecting [redacted] [redacted] is registrant with [redacted]. Exception cleared. Buyer Comment (2026-08-05): [redacted]is the business search for [redacted] and it shows [redacted] and the register. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956345 | [Redacted] | [Redacted] | 37030218 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide a CPA letter for [redacted], doing business as [redacted], confirming that the applicable business expense ratio is [redacted]%. | Reviewer Comment (2026-08-07): Business search present in file reflecting [redacted] [redacted] is registrant with [redacted]. Exception cleared. |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225956345 | [Redacted] | [Redacted] | 37030219 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Provide a CPA letter for [redacted], doing business as [redacted], confirming that the applicable business expense ratio is [redacted]%. | Reviewer Comment (2026-08-07): Business search present in file reflecting [redacted] [redacted] is registrant with [redacted]. Exception cleared. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956347 | [Redacted] | [Redacted] | 37031025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225956347 | [Redacted] | [Redacted] | 37033188 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided e-sign consent document. | Reviewer Comment (2026-07-23): Provided e-consent Buyer Comment (2026-07-22): e-consent |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956635 | [Redacted] | [Redacted] | 37030380 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the commitment in file. | Reviewer Comment (2026-08-03): Received updated title commitment with the updated policy amount to meet the loan amount. Exception Cleared. Buyer Comment (2026-07-30): please see revised title commitment matching loan amount |
08/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956635 | [Redacted] | [Redacted] | 37030382 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-03): Appraisal notice document present in the file. Exception is cleared |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956635 | [Redacted] | [Redacted] | 37030383 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. | Reviewer Comment (2026-08-03): Appraisal notice document present in the file. Exception is cleared Buyer Comment (2026-07-30): please see email proof of appraisal doc [redacted], borr acknowledged receipt on [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956806 | [Redacted] | [Redacted] | 37030473 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to the Appraisal Fee. A specific credit of $[redacted] has been provided as cure at closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225959581 | [Redacted] | [Redacted] | 37029535 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard Insurance mortgagee clause is missing the lender's ISAOA. | Reviewer Comment (2026-08-04): Received hazard insurance with correct mortgagee clause. Exception cleared. Buyer Comment (2026-07-31): HOI |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225959581 | [Redacted] | [Redacted] | 37029538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Closing Disclosure provided on [redacted] - Print timestamp - [redacted]:[redacted] AM PST is missing pages [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-07-30): [redacted] received complete CD. Buyer Comment (2026-07-29): CD |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225959581 | [Redacted] | [Redacted] | 37029539 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee increased from $[redacted] to $[redacted] without a[Redacted] [Redacted]lid changed circumstances; no cure was provided. | Reviewer Comment (2026-08-03): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-31): Cure Docs |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225959581 | [Redacted] | [Redacted] | 37029540 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Loan disbursement date as per the final Closing Disclosure is [redacted], which is prior to [redacted] business days from the transaction date of [redacted]. | Reviewer Comment (2026-07-31): Received true and certified copy of Final ALTA Settlement Statement with correct disbursement date. Exception cleared. Buyer Comment (2026-07-29): FSS |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225960416 | [Redacted] | [Redacted] | 37036761 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-08-07): Re-[Redacted]lidated appraisal delivery document. Exception cleared. Buyer Comment (2026-08-06): proof appraisal sent to bwr submitted on other condition |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225960416 | [Redacted] | [Redacted] | 37036762 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Copy of appraisal is required to be delivered to the borrower within [redacted] business days of closing. | Reviewer Comment (2026-08-07): Re-[Redacted]lidated appraisal delivery document. Exception cleared. Buyer Comment (2026-08-06): appraisal sent to the bwr |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961125 | [Redacted] | [Redacted] | 37038840 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Lease agreement is missing for Unit-[redacted]&[redacted] | Reviewer Comment (2026-08-20): Re[Redacted]lidated information, DSCR matches. Exception cleared. Buyer Comment (2026-08-18): please see attached DSCR worksheet with [redacted]DSCR - within the .[redacted][Redacted]riance from your [redacted]DSCR amount in your most recent comment Reviewer Comment (2026-08-10): No new document received. Per a[Redacted]ilable email confirmation, Unit [redacted]has rent of $[redacted]& $[redacted]respectively with no lease inherited. Considered the listed amount for rental calculation, $[redacted] with PITIA of $[redacted], re-calculated DSCR is of [redacted]which is also not matching with Bid tape d[Redacted]. Exception remains. Buyer Comment (2026-08-06): please clarify restip for lease agreement as borrower lox states units [redacted]are "month to month" and "no lease inherited". these are the rent amounts. please update your rental and DSCR amount based off of the lox Reviewer Comment (2026-08-03): Received LOX showing Month to Month rent for unit #[redacted]. Please provide Lease Agreement for both units to qualify Rent and clear condition. Exception Remains. Buyer Comment (2026-07-31): please see bor lox email doc [redacted]page [redacted]stating that units [redacted] are month to month and no lease inherited. per appraisal, property is multi unit with [redacted]units ([redacted]). doc [redacted]is active lease for unit #[redacted]. please update your rental and DSCR amounts. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225961125 | [Redacted] | [Redacted] | 37038841 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-08-31): Received final title with corrected loan amount.. Exception cleared. Buyer Comment (2026-08-28): please see attached Final Title Policy matching loan amount |
08/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225961125 | [Redacted] | [Redacted] | 37038842 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-31): Received final title. Exception cleared. |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225961125 | [Redacted] | [Redacted] | 37042386 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Lease Agreement - Real Estate Owned (REO) not provided | [redacted] reflects lease amounts for all [redacted] units. Missing lease for unit [redacted] and [redacted]. | Reviewer Comment (2026-08-20): Re[Redacted]lidated information, DSCR matches. Exception cleared. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225961126 | [Redacted] | [Redacted] | 37039165 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-13): PCCD Reviewer Comment (2026-08-11): [redacted] received document stating the appraisal was not ordered until [redacted] and the fee was disclosed on [redacted] CD which is not [Redacted]lid. Kindly provide additional information as to why it was unknown at the initial review and why it was charged later on CD dated [redacted]. Kindly provide additional information along with supporting documents in order to [Redacted]lidate or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-10): disclosed within [redacted] |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225961126 | [Redacted] | [Redacted] | 37039166 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-07): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-08-06): Cured at closing in Section [redacted] |
08/07/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225961126 | [Redacted] | [Redacted] | 37039173 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. | Property is PUD while [Redacted]luation report does not show as PUD property. | Reviewer Comment (2026-08-11): Received 1004 with corrected property type as PUD. Exception cleared. Buyer Comment (2026-08-10): appraisal corrected to say PUD |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225961869 | [Redacted] | [Redacted] | 37040109 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | The actual income calculated from the [redacted]-month bank statements is $[redacted]; however, the Final [redacted] and [redacted] reflect an income of $[redacted]. This results in a DTI discrepancy. | Reviewer Comment (2026-08-24): Updated 1003,1008 and UW worksheet received and verified. Exception cleared. Buyer Comment (2026-08-20): Please see updated Bank Statement worksheet and corrected 1008/1003. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225961869 | [Redacted] | [Redacted] | 37040119 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The actual income calculated from the [redacted]-month bank statements is $[redacted]; however, the Final [redacted] and [redacted] reflect an income of $[redacted]. This results in a DTI discrepancy. | Reviewer Comment (2026-08-24): Updated 1003,1008 and UW worksheet received and verified. Exception cleared. Buyer Comment (2026-08-20): Please see updated Bank Statement worksheet and corrected 1008/1003. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225961869 | [Redacted] | [Redacted] | 37040128 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-24): Updated 1003,1008 and UW worksheet received and verified. Exception cleared. Buyer Comment (2026-08-20): Please see updated Bank Statement worksheet and corrected 1008/1003. |
08/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225961869 | [Redacted] | [Redacted] | 37040130 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Reviewer Comment (2026-08-24): Updated 1003,1008 and UW worksheet received and verified. Exception cleared. Buyer Comment (2026-08-20): Please see updated Bank Statement worksheet and corrected 1008/1003. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225961869 | [Redacted] | [Redacted] | 37040131 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225961869 | [Redacted] | [Redacted] | 37040132 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225961869 | [Redacted] | [Redacted] | 37040137 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the actual income calculated from the [redacted]-month bank statements is $[redacted]; however, the Final [redacted] and [redacted] reflect an income of $[redacted]. This results in a DTI discrepancy. | Reviewer Comment (2026-08-24): Updated 1003,1008 and UW worksheet received and verified. Exception cleared. Buyer Comment (2026-08-20): Please see updated Bank Statement worksheet and corrected 1008/1003. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961869 | [Redacted] | [Redacted] | 37045495 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on [redacted] for reserves being less than [redacted] years current business in file. Missing request/appro[Redacted]l documents for the exception. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-24): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-24): Received lender exception appro[Redacted]l for short reserves. [redacted]month's subject and [redacted]months non-subject vs guideline requirement of [redacted]months for subject adn [redacted]months non-subject nomally required for applicants self-employed between [redacted] months. Buyer Comment (2026-08-20): Please see attached Exception |
08/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225963759 | [Redacted] | [Redacted] | 37039318 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations: D. [redacted]. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | - | The Final [redacted] indicates that the borrower answered "Yes" to the question regarding applying for a mortgage loan on another property. Provide evidence of the additional mortgage obligation. | Reviewer Comment (2026-08-17): Updated 1003 associated, Exception Cleared. Buyer Comment (2026-08-14): updated URLA, the mortgage loan in question was for the [redacted] property which was later added to the loan. I've corrected the question. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225963759 | [Redacted] | [Redacted] | 37039326 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage Statement for REO property [redacted]. | Reviewer Comment (2026-08-17): Closing Disclosure associated as Mortgage Statement for REO property [redacted]., Exception Cleared. Buyer Comment (2026-08-14): updated 1008 and the urla is submitted on the other condition Reviewer Comment (2026-08-07): Final 1003 shows PITI of $[redacted]while provided CD confirms $[redacted], change in P&I which impact the DTI. Please provided updated 1003 . Buyer Comment (2026-08-06): final CD for [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225963759 | [Redacted] | [Redacted] | 37043672 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | REO documents missing. | Reviewer Comment (2026-08-17): Updated 1003 and Closing Disclosure associated as Mortgage Statement for REO property [redacted]., Exception Cleared. Buyer Comment (2026-08-14): waterfall Reviewer Comment (2026-08-07): Final 1003 shows PITI of $[redacted]while provided CD confirms $[redacted], change in P&I which impact the DTI. Please provided updated 1003 . Buyer Comment (2026-08-06): final cd for [redacted] submitted |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225964051 | [Redacted] | [Redacted] | 37040321 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. | Reviewer Comment (2026-07-31): Received Condo Loan Appro[Redacted]l Certificate. Project approved under Conventional Limited Review. Condo warrantability confirmed. Exception cleared. Buyer Comment (2026-07-29): aprvl cert upld |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225964051 | [Redacted] | [Redacted] | 37040345 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | [redacted] Rent Comparison Schedule is missing. | Reviewer Comment (2026-08-03): 1007 Rent Comparison Schedule, cleared Buyer Comment (2026-08-03): initial aprsl with 1007 upld Reviewer Comment (2026-07-31): DSCR worksheet received; however, proof of market rent is still required. Form 1007 has not been provided and is needed to verify market rents. Exception remains. Buyer Comment (2026-07-29): full dscr worksheet upld, [redacted]not required, lease provided in loan file on [redacted], uw used the lesser of the current rent $[redacted]vs market rents $[redacted]. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225964195 | [Redacted] | [Redacted] | 37043253 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for [redacted] lates. [Redacted]cant refi reduce LTV by [redacted]% below max. Exception request to reduce by [redacted]%. subject property [redacted] at least [redacted][redacted] and modification complete CT [redacted] now current. requesting [redacted]% LTV on [Redacted]cant ICF cash out refi | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-31): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-29): exception aprvl upld |
07/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225964256 | [Redacted] | [Redacted] | 37048516 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225964508 | [Redacted] | [Redacted] | 37041097 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee increased from $[redacted] to $[redacted] without a [Redacted]lid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-28): [redacted] received Post CD and LOX. Buyer Comment (2026-07-24): PCCD, LOX & email from title |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225964520 | [Redacted] | [Redacted] | 37043368 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-28): Received UCDP Submission report, information [Redacted]lidated, also CU score [redacted]which is less than [redacted]hence secondary [Redacted]luation not required. Exception Cleared. Buyer Comment (2026-07-24): Please see SSR's risk score is under [redacted]a secondary [Redacted]luation is not required. |
07/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | ID | Primary | Pur[Redacted] | D | A | A | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225964526 | [Redacted] | [Redacted] | 37085450 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Reviewer Comment (2026-08-06): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-08-05): PCCD/LOX |
08/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | HI | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225964536 | [Redacted] | [Redacted] | 37043455 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage shortage is $[redacted]. No Replacement Cost Estimator or extended coverage provided. Please provide updated hazard with appropriate coverage amount. | Reviewer Comment (2026-08-26): Dec page states replacement cost Reviewer Comment (2026-08-25): HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted]OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains Buyer Comment (2026-08-21): Dec page a[Redacted]ilable, and I've highlighted replacement cost on it. No RCE is needed with this information per the lender letter attatched. Reviewer Comment (2026-08-10): Provided RCE reflecting address different than subject property. Exception remains. Buyer Comment (2026-08-07): RCE |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225964891 | [Redacted] | [Redacted] | 37053626 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-27): UCDP's with acceptable risk scores received, exception cleared Buyer Comment (2026-07-24): Per the SSR's the risk score is under [redacted]a secondary [Redacted]luation is not required. please cancel condition |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Investment | Pur[Redacted] | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225964970 | [Redacted] | [Redacted] | 37042932 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for [redacted] year Prepayment Penalty. Comp factors include FICO >[redacted] points, reserves [redacted]+, and minimal debt. Subject property is actively listed for rent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-07-22): Client elects to downgrade and waive. |
07/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 225965105 | [Redacted] | [Redacted] | 37043539 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225965877 | [Redacted] | [Redacted] | 37048755 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount not provided in file. | Reviewer Comment (2026-08-10): Title policy received with coverage amount, exception cleared Buyer Comment (2026-08-06): title coverage amount |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965888 | [Redacted] | [Redacted] | 37048600 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign consent is missing. | Reviewer Comment (2026-07-29): Received e-sign consent. Exception cleared. Buyer Comment (2026-07-28): e-consent |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 225965888 | [Redacted] | [Redacted] | 37048602 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | CU score is not provided, and secondary [Redacted]luation is missing. | Reviewer Comment (2026-07-29): Received UCDP. Exception cleared. Buyer Comment (2026-07-28): SSR's |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225965888 | [Redacted] | [Redacted] | 37048608 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy not provided. | Reviewer Comment (2026-07-29): Received hazard policy. Exception cleared. Buyer Comment (2026-07-28): HOI |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225965903 | [Redacted] | [Redacted] | 37044781 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted]. Due Diligence Finance Charges are $[redacted]. There is a [Redacted]riance of $[redacted]. Missing itemization of prepaid finance charges to determine cause of underdisclosure. | Reviewer Comment (2026-07-30): [redacted] received Corrected CD & LOE to borrower which matches to final settlement statement for final for fees. Buyer Comment (2026-07-29): pccd balancing with final ss upld, the fss is on [redacted] / in your finance charge calculation correct the $[redacted]verification fee name to title [redacted]title endorsement fee and remove the verification of tax return fee $[redacted](not charged). The total cure due should by just the $[redacted]loan safe fee. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225965963 | [Redacted] | [Redacted] | 37048835 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to VVOE was not obtained within [redacted] business days of the note date for the borrower's wage income employers, [redacted] and [redacted]. | Reviewer Comment (2026-08-05): Redesignated to SHQM APOR, exception cleared Buyer Comment (2026-08-04): please re-designate to qm Reviewer Comment (2026-08-03): Provided VOE is dated [redacted]. Need VOE dated within [redacted] business days of Note date [redacted] for both employers [redacted], [redacted]. Buyer Comment (2026-07-31): final voe upld to trl docs |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225965963 | [Redacted] | [Redacted] | 37048836 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank [redacted]): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-08-05): Redesignated to SHQM APOR, exception cleared |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225965963 | [Redacted] | [Redacted] | 37048837 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to VVOE was not obtained within [redacted] business days of the note date for the borrower's wage income employers, [redacted] and [redacted]. | Reviewer Comment (2026-08-05): Redesignated to SHQM APOR, exception cleared Buyer Comment (2026-08-04): please re-designate to qm Reviewer Comment (2026-08-03): Provided VOE is dated [redacted]. Need VOE dated within [redacted] business days of Note date [redacted] for both employers [redacted], [redacted]. Buyer Comment (2026-07-31): final voe upld to trl docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225965963 | [Redacted] | [Redacted] | 37048845 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE was not obtained within [redacted] business days of the note date for the borrower's wage income employers, [redacted] and [redacted]. | Reviewer Comment (2026-08-05): Redesignated to SHQM APOR, exception cleared Buyer Comment (2026-08-04): please re-designate to qm Reviewer Comment (2026-08-03): Provided VOE is dated [redacted]. Need VOE dated within [redacted] business days of Note date [redacted] for both employers [redacted], [redacted]. Buyer Comment (2026-07-31): final voe upld to trl docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225965963 | [Redacted] | [Redacted] | 37048846 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE was not obtained within [redacted] business days of the note date for the borrower's wage income employer, [redacted]. | Reviewer Comment (2026-08-05): Post close VOE, redesignated to SHQM APOR, exception cleared. Buyer Comment (2026-08-04): please re-designate to qm Reviewer Comment (2026-08-03): Provided VOE is dated [redacted]. Need VOE dated within [redacted] business days of Note date [redacted] for both employers [redacted], [redacted]. Buyer Comment (2026-07-31): final voe upld |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225965963 | [Redacted] | [Redacted] | 37048847 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE was not obtained within [redacted] business days of the note date for the borrower's wage income employer, [redacted]. | Reviewer Comment (2026-08-05): Post close VOE, redesignated to SHQM APOR, exception cleared. Buyer Comment (2026-08-04): please re-designate to qm Reviewer Comment (2026-08-03): Provided VOE is dated [redacted]. Need VOE dated within [redacted] business days of Note date [redacted] for both employers [redacted], [redacted]. Buyer Comment (2026-07-31): final voe upld to trl docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225965963 | [Redacted] | [Redacted] | 37048848 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to VVOE was not obtained within [redacted] business days of the note date for the borrower's wage income employers, [redacted] and [redacted]. | Reviewer Comment (2026-08-05): Redesignated to SHQM APOR, exception cleared Buyer Comment (2026-08-04): please re-designate to qm Reviewer Comment (2026-08-03): Provided VOE is dated [redacted]. Need VOE dated within [redacted] business days of Note date [redacted] for both employers [redacted], [redacted]. Buyer Comment (2026-07-31): final voe upld to trl docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225965963 | [Redacted] | [Redacted] | 37152203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Client requested to redesignate to SHQM | Buyer Comment (2026-08-05): ok to waive |
08/05/2026 | No | 2 | A | B | B | B | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225966050 | [Redacted] | [Redacted] | 37044823 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225966064 | [Redacted] | [Redacted] | 37049212 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225966182 | [Redacted] | [Redacted] | 37046061 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Discount points disclosed on initial LE as $[redacted], and then on final CD as $[redacted]. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-19): [redacted] received rate lock and LOX. Buyer Comment (2026-08-17): rebuttal Reviewer Comment (2026-08-10): [redacted] received changed circumstance dated [redacted], but a corresponding LE was not provided. Also, provide detailed information about program change along with supporting documents. Please provide LE with detailed COC for further analysis. Buyer Comment (2026-08-07): [redacted]is the COC explaining the loan program change. A CDA was required by the new program and it affected the discount points as well |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225966182 | [Redacted] | [Redacted] | 37046062 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee of $[redacted] not disclosed on initial LE. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-27): PCCD Reviewer Comment (2026-08-24): [redacted] received COC, LOE for change in loan program due to which the Appraisal review fee was added but the COC is dated [redacted] while the fee was added on revised LE dated[redacted] which is not within the required [redacted] days from the date of change received. Please provide a[Redacted] missing LEs within required [redacted] days time or cure would be required. Buyer Comment (2026-08-20): The appraisal rush doesn't have a[Redacted]thing to do with the appraisal review fee. The appraisal review fee was added because of the loan program change. Reviewer Comment (2026-08-19): [redacted] received LOX for date error on COC. But as per the reason provided appraisal fee was increased due to [redacted] rush requirement however, the reason provided is not sufficient. Please provide additional information and documentation to support a [Redacted]lid changed circumstance to add the RUSH appraisal fee to the appraisal total. In[Redacted]lid increases due to addition of appraisal rush fees was addressed on page [redacted]of the CFPB Supervisory Highlight found here: [redacted]. If there is a [Redacted]lid changed circumstance such as new information not previously known to the creditor for the increase in appraisal fee, please provide documentation to support and when creditor became aware of new information. When was it determined that appraisal would need rushed and why. Otherwise, cure is required for both the increase in appraisal fee due to appraisal rush fee. Cure documents includes Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Buyer Comment (2026-08-17): rebuttal with locks submitted on other condition Reviewer Comment (2026-08-10): [redacted] received changed circumstance dated [redacted], but a corresponding LE was not provided. Also, provide detailed information about program change along with supporting documents. Please provide LE with detailed COC for further analysis. Buyer Comment (2026-08-07): [redacted]is the COC explaining the loan program change. A CDA was required by the new program and it affected the discount points as well |
08/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225966308 | [Redacted] | [Redacted] | 37049316 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient. Shortfall $[redacted]. | Reviewer Comment (2026-07-31): Re-[Redacted]lidated coverage as per hazard insurance. Exception cleared. Buyer Comment (2026-07-29): Please see page of the Dec page [redacted]has replacement coverage verbiage. Please cancel in[Redacted]lid condition. Per [redacted]'s new updates this meeting requirements. We no longer [Redacted]lidate the RCE |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225966308 | [Redacted] | [Redacted] | 37049352 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-31): [redacted] received COC dated [redacted] with supporting appraisal order document. Buyer Comment (2026-07-29): COC, LE & Notification |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225966804 | [Redacted] | [Redacted] | 37048919 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Diligence DSCR: ___; Bid Tape DSCR: ___. |
PITI $[redacted] (P&I $[redacted], taxes $[redacted], and Hazard $[redacted]). Rent $[redacted] / $[redacted] = [redacted] DSCR. | Reviewer Comment (2026-08-03): Client provided updated U/W DSCR [redacted] Buyer Comment (2026-07-30): exception aprvl upld, dscr worksheet is on [redacted]. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225970534 | [Redacted] | [Redacted] | 37046188 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225970534 | [Redacted] | [Redacted] | 37046327 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Listing Agreement is not provided for property located at [redacted]. | Reviewer Comment (2026-08-03): Received Letter from borrower stating property is listed for sale. Exception Cleared. Buyer Comment (2026-07-30): please see bwr lox on [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225973442 | [Redacted] | [Redacted] | 37049232 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-03): evidence of delivery received. Buyer Comment (2026-07-30): aprsl history upld, there was one aprsl and revission, both were sent to the borrower, initial emailed on [redacted], revision emailed on [redacted], both were sent well before the [redacted] closing date. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225973442 | [Redacted] | [Redacted] | 37049233 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Borrower received appraisal on [redacted]. Note date is [redacted]. | Reviewer Comment (2026-08-03): evidence of delivery received. Buyer Comment (2026-07-30): aprsl history upld, there was one aprsl and revission, both were sent to the borrower, initial emailed on [redacted], revision emailed on [redacted], both were sent well before the [redacted] closing date. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225973673 | [Redacted] | [Redacted] | 37045177 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing not provided | Reviewer Comment (2026-08-03): Certificate of Good Standing received in file. Exception Cleared. Buyer Comment (2026-07-31): Please see attached. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225973673 | [Redacted] | [Redacted] | 37047479 | Credit | Asset | Asset Documentation | Guideline | The Earnest Money Deposit is unsourced. Please provide source documentation for the Earnest Money Deposit. | - | Missing source doc for the $[redacted] being held in escrow. | Reviewer Comment (2026-08-03): EMD has been excluded from [redacted] Priority Services Saving accounts. Exception Cleared. Buyer Comment (2026-07-31): Section [redacted]: Down Payment On pur[Redacted] transactions, Applicants must make the down payment with funds from their own resources. [Redacted]ly, the earnest money deposits must be fully documented including the source of the down-payment from the Applicant's account(s) and the evidence of transfer to the closing agent. If the Applicant cannot document the source of the earnest money deposit but has sufficient assets for funds to close and reserves without inclusion of the earned money deposit, it does not need to be documented and [redacted] remain on the CD. Gift funds [redacted] be utilized towards down payment requirements subject to the gift section [redacted]elow. The client has enough documented assets to remove this. Please clear condition. |
08/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Pur[Redacted] | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225973791 | [Redacted] | [Redacted] | 37047856 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title amount is missing in file. | Reviewer Comment (2026-08-12): Received title policy with policy amount. Exception Cleared. Buyer Comment (2026-08-10): title coverage |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225973791 | [Redacted] | [Redacted] | 37047939 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance fees disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A [Redacted]lid change of circumstance was not provided for fee increase(s). | Reviewer Comment (2026-08-14): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-13): PCCD |
08/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225973791 | [Redacted] | [Redacted] | 37047940 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-08-11): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-08-10): COC |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225974038 | [Redacted] | [Redacted] | 37054875 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-05): Secondary [Redacted]luation not required CU score above [redacted]and LP Score [redacted]. Buyer Comment (2026-08-03): ucdp showing cu score is under [redacted] upld. |
08/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance - Rate/Term | D | A | B | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225974038 | [Redacted] | [Redacted] | 37055001 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the preliminary title. | Reviewer Comment (2026-08-05): Received title supplement with sufficient coverage amount. Exception cleared. Buyer Comment (2026-08-04): title supplement upld |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | D | A | B | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225974047 | [Redacted] | [Redacted] | 37057509 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception has been requested for Landlord History is less than [redacted] months; however, it is approved as the borrower has excellent credit history with no late payments on their primary home, with compensating factors: DSCR > [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DSCR on the loan is greater than the guideline minimum. |
Combined Loan to [Redacted]lue: [redacted]% Guideline Maximum Combined Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-07-24): Client elects to waive with compensating factors. |
07/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 225974047 | [Redacted] | [Redacted] | 37057521 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception has been requested and approved for a non-warrantable condo with compensating factors: DSCR > [redacted], FICO [redacted]+ > minimum requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DSCR on the loan is greater than the guideline minimum. |
Combined Loan to [Redacted]lue: [redacted]% Guideline Maximum Combined Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-07-24): Client elects to waive with compensating factors. |
07/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 225974070 | [Redacted] | [Redacted] | 37058736 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pur[Redacted] Agreement / Sales Contract not provided | Pur[Redacted] Agreement / Sales Contract was not provided in file. | Reviewer Comment (2026-08-05): Received Pur[Redacted] Agreement/Sales Contract. information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-08-03): sales contract upld |
08/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Pur[Redacted] | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225974070 | [Redacted] | [Redacted] | 37060240 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | Calculated investor qualifying disposable income of $[redacted] is less than required disposable income of $[redacted] when DTI surpasses [redacted]. | Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-05): Client elects to waive with compensating factors. Reviewer Comment (2026-08-05): Lender exception appro[Redacted]l provided for residual income of $[redacted]when $[redacted]is required for full doc primary pur[Redacted] DTI up to [redacted]%. Buyer Comment (2026-08-03): exception aprvl upld |
08/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 225974077 | [Redacted] | [Redacted] | 37057544 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Identification document is missing for borrower | Reviewer Comment (2026-07-30): Patriot Act, cleared Buyer Comment (2026-07-30): pat act upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225974089 | [Redacted] | [Redacted] | 37058218 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225974096 | [Redacted] | [Redacted] | 37216893 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | discrepancy in sales price. | Reviewer Comment (2026-08-14): Re[Redacted]lidated Information and updated Sales Price. Exception Cleared. Buyer Comment (2026-08-12): [redacted] respectfully disagrees with [redacted] LTV of [redacted]%. Loan Amount: $[redacted] Sales Price: $[redacted] Appraised [Redacted]l: $[redacted] [redacted]'s LTV suggests a sales price of $[redacted]which is incorrect. |
08/14/2026 | No | 1 | A | A | A | A | A | [Redacted] | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225974097 | [Redacted] | [Redacted] | 37057825 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Lender used higher taxes to qualify monthly taxes of $[redacted], and the document reflects $[redacted] semi-annually. | Reviewer Comment (2026-08-05): Document provided Tax est to be $[redacted]annual Buyer Comment (2026-08-03): That's all we have but as you can see the email is from title. We have to account for the estimated taxes so that there is not payment shock to the borrower. Tax amount to use is $[redacted]. Reviewer Comment (2026-07-30): [redacted]reflects email conversation showing Estimated taxes without homestead based on a [Redacted]lue of $[redacted]are $[redacted]. Please provide Tax Certificate to confirm the Tax amount $[redacted]for the subject. Exception remains. Buyer Comment (2026-07-28): See [redacted]. Taxes are expected to increase($[redacted]) due to homestead exemption remo[Redacted]l for investor occupancy . |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225974098 | [Redacted] | [Redacted] | 37207339 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: LTV | Reviewer Comment (2026-08-13): Received revised appraisal report with [Redacted]lue of $[redacted]. Exception cleared. Buyer Comment (2026-08-11): Attached please find ROV 1004 with updated appraised [Redacted]lue of $[redacted] $[redacted]/ $[redacted]= [redacted] LTV [redacted]% Buyer Comment (2026-08-11): 1004 ROV |
08/13/2026 | No | 1 | A | A | A | A | A | PA | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225974111 | [Redacted] | [Redacted] | 37058791 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing in file. | Reviewer Comment (2026-08-12): Re[Redacted]lidated information. Exception cleared Buyer Comment (2026-08-10): Borrower doesn't have a fico score, score of [redacted]used per the foreign national guidelines. |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225974111 | [Redacted] | [Redacted] | 37058792 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-08-12): Re[Redacted]lidated information. Exception cleared Buyer Comment (2026-08-10): Borrower signed the note as an individual and as a member of the [redacted]. Guarantee agreement not required. |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225974111 | [Redacted] | [Redacted] | 37058973 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score is less than the guideline representative FICO score of [redacted]. | Reviewer Comment (2026-08-12): Re[Redacted]lidated information. Exception cleared Buyer Comment (2026-08-10): Borrower doesn't have a fico score, score of [redacted]used per the foreign national guidelines. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225974370 | [Redacted] | [Redacted] | 37058170 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Final CD was issued to borrowers on the day of closing on [redacted]. | Reviewer Comment (2026-08-04): [redacted] received [redacted] CD received [redacted] days prior to consummation. Buyer Comment (2026-08-03): initial cd upld |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225974370 | [Redacted] | [Redacted] | 37058172 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to an increase in recording fee from $[redacted] to $[redacted].. No [Redacted]lid COC was provided, and there was no evidence of cure in the file. | Reviewer Comment (2026-08-04): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-08-03): please cancel, this was cured at closing on the final cd Section [redacted] |
08/04/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225974370 | [Redacted] | [Redacted] | 37058173 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a [Redacted]lid Changed Circumstance for this fee, and there was no evidence of cure in the file. | Reviewer Comment (2026-08-24): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-21): pccd docs upld Reviewer Comment (2026-08-04): [redacted] Received COC dated [redacted] states loan amount changed; however, loan amount decreased on LE dated [redacted]. Provide additional information how decrease in loan amount affected the transfer tax. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increase and when lender became aware of the change. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-08-03): ithe loan was locked on [redacted], initial lock upld, corresponding coc is on [redacted] |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225978267 | [Redacted] | [Redacted] | 37203439 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: DSCR | Reviewer Comment (2026-08-13): Received tax sheet showing Q3 and Q4 taxes as [redacted]and Q1 & Q2 from tax cert as [redacted]. Updated DSCR [redacted]. Exception cleared. Buyer Comment (2026-08-11): Tax cert; Tax Info Sheet Buyer Comment (2026-08-11): [redacted] respectfully disagrees with [redacted] Property Tax calculation. Uploaded please find Tax Record Info Sheet & Tax Cert from title. Per Tax Record info sheet, $[redacted]is the amount for Q3 and the estimate for Q4. [redacted]'s amount incorrectly assumes that $[redacted]is the same for all quarters (($[redacted] Per Tax Search from title, Q1 & Q2 were $[redacted], Q3 is $[redacted]and Q4 is TBD [redacted] based our calculation off both of these sheets to get to $[redacted] Please review attached items and update property taxes. $[redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225978368 | [Redacted] | [Redacted] | 37068305 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] reflects a lender exception was made for LTV and alt credit. Missing the exception request and appro[Redacted]l document. Lender exception approved for landlord history waiver with < [redacted] DSCR with a counter offer of [redacted]% LTV Document no rental restrictions for [redacted]+ community. |
Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-19): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-17): The exception must not have saved previously. The one uploaded was for the wrong borrower. See the correct exception appro[Redacted]l. Reviewer Comment (2026-08-10): The excepiton appro[Redacted]l state to "document there are no rental restrictions for the [redacted]+ community" in the disposition comment. Buyer Comment (2026-08-06): Please advise where the no rental restrictions for [redacted]+ community requirement is. Reviewer Comment (2026-08-06): Received lender exception, however the requirement of no rental restrictions for the subject/[redacted]+ community was not located in the file. Buyer Comment (2026-08-04): EXCEPTION APPRO[Redacted]L |
08/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225978372 | [Redacted] | [Redacted] | 37059472 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is approved because the borrower has excellent FICO, no derogatory credit, minimal debt, meets tradeline requirements, has [redacted] months of reserves with cash out, has an ITIN, currently rents (recurring VOR), and owns a home a/c. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-27): Lender Exception with Compensating Factors provided. |
07/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 225978446 | [Redacted] | [Redacted] | 37066020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-17): [redacted] Received [Redacted]lid COC dated [redacted] along with supporting documents. Buyer Comment (2026-08-13): Rebuttal Reviewer Comment (2026-08-06): [redacted] received COC dated [redacted] the reason mentioned is not [Redacted]lid. Kindly provide a [Redacted]lid reason as to why the transfer tax increase on LE dated [redacted] for $[redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-05): RLE with COC and fees confirmation |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225978446 | [Redacted] | [Redacted] | 37066987 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised [Redacted]luation to applicant [redacted] business days prior to consummation. Revised [Redacted]luation reflects clerical change only, no impact to compliant HPML determination. | Appraisal dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-08-07): Delivery confirmation received. Buyer Comment (2026-08-05): Appraisal delivery |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225978446 | [Redacted] | [Redacted] | 37067022 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI [Redacted]riance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. DTI [Redacted]riance due to lenders P&I calculation of $[redacted] per month vs actual amount of $[redacted] per month. | Reviewer Comment (2026-08-25): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-08-21): Bid Tape corrected Reviewer Comment (2026-08-07): Received updated 1008, condition will be cleared once bid tape is updated for the DTI. Buyer Comment (2026-08-05): Updated 1008 /1003 , requested bid tape correction |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225978446 | [Redacted] | [Redacted] | 37067036 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI [Redacted]riance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. DTI [Redacted]riance due to lenders P&I calculation of $[redacted] per month vs actual amount of $[redacted] per month. | Reviewer Comment (2026-08-25): Bid Tape DTI has been updated. Exception cleared. |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225978446 | [Redacted] | [Redacted] | 37067037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI [Redacted]riance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. DTI [Redacted]riance due to lenders P&I calculation of $[redacted] per month vs actual amount of $[redacted] per month. | Reviewer Comment (2026-08-25): Bid Tape DTI has been updated. Exception cleared. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225979308 | [Redacted] | [Redacted] | 37067352 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-17): Initial appraisal received. Exception cleared. Buyer Comment (2026-08-13): Please see attached initial appraisal Reviewer Comment (2026-08-11): Provided appraisal report [redacted]is not for primary property [redacted]. Exception remains. Buyer Comment (2026-08-10): Please see attached initial appraisal Reviewer Comment (2026-08-05): Provided appraisal is the same appraisal report dated [redacted] which was provided in the initial package. Please provide the initial appraisal report which was provided on [redacted] to confirm there was no change in [Redacted]lue. Buyer Comment (2026-08-03): Please see attached Initial Appraisal dated [redacted] and proof appraisal sent to borrower [redacted]. Appraisal in Acuity was for clerical corrections dated [redacted] and provided to borrower [redacted] however due to clerical corrections only, receipt [redacted] prior to close is not applicable. I have also attached proof the CDA was provided to the borrower [redacted]. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225979308 | [Redacted] | [Redacted] | 37067353 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Copy of appraisal is required to be delivered to the borrower within [redacted] business days of closing. | Reviewer Comment (2026-08-17): Initial appraisal received. Exception cleared. Buyer Comment (2026-08-13): Please see attached initial appraisal Reviewer Comment (2026-08-11): Provided appraisal report [redacted]is not for primary property [redacted]. Exception remains. Buyer Comment (2026-08-10): Please see attached initial appraisal Reviewer Comment (2026-08-05): Provided appraisal is the same appraisal report dated [redacted] which was provided in the initial package. Please provide the initial appraisal report which was provided on [redacted] to confirm there was no change in [Redacted]lue. Buyer Comment (2026-08-03): Please see attached Initial Appraisal dated [redacted] and proof appraisal sent to borrower [redacted]. Appraisal in Acuity was for clerical corrections dated [redacted] and provided to borrower [redacted] however due to clerical corrections only, receipt [redacted] prior to close is not applicable. I have also attached proof the CDA was provided to the borrower [redacted]. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225979308 | [Redacted] | [Redacted] | 37241648 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised [Redacted]luation to applicant [redacted] business days prior to consummation. Revised [Redacted]luation reflects clerical change only, no impact to compliant HPML determination. | Buyer Comment (2026-08-19): OK to waive per Auto Approve List |
08/19/2026 | No | 2 | B | B | B | B | B | SC | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225979430 | [Redacted] | [Redacted] | 37062286 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing Tax Verification document to verify other expense of $[redacted] for REO property located at [redacted] [redacted], [redacted], [redacted]. | Reviewer Comment (2026-08-25): Received tax certificate. Exception cleared. Buyer Comment (2026-08-21): Please see attached |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225979430 | [Redacted] | [Redacted] | 37062398 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee disclosed as $[redacted] on Initial closing disclosure but disclosed as $[redacted] on Final Closing Disclosure. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-21): This credit has already been given. Please clear condition. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225979430 | [Redacted] | [Redacted] | 37062399 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was disclosed as $[redacted] on initial CD and then as $[redacted] on final CD. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-21): This credit has already been given. Please clear condition. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225979430 | [Redacted] | [Redacted] | 37062400 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Home Inspection Fee of $[redacted] was not disclosed until final CD. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-24): [redacted] received Post CD and LOX. Buyer Comment (2026-08-21): Please see attached. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225979430 | [Redacted] | [Redacted] | 37329413 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225979430 | [Redacted] | [Redacted] | 37329415 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225979557 | [Redacted] | [Redacted] | 37069065 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to asset depletion income documents not within [redacted] days from note date. Income documentation is dated [redacted]. | Reviewer Comment (2026-08-11): Received Bank Statement within [redacted]days of Note Date. Exception cleared Buyer Comment (2026-08-10): please see asset account#[redacted]statement dated [redacted] doc [redacted] |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225979557 | [Redacted] | [Redacted] | 37069067 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank [redacted]): Unable to verity asset depletion income due to, bank statement provided was dated more than [redacted] days prior to closing. | Waterfall due to asset depletion income documents not within [redacted] days from note date. Income documentation is dated [redacted]. | Reviewer Comment (2026-08-11): Received Bank Statement within [redacted]days of Note Date. Exception cleared Buyer Comment (2026-08-10): please see asset account#[redacted]statement dated [redacted] doc [redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225979557 | [Redacted] | [Redacted] | 37069068 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Waterfall due to asset depletion income documents not within [redacted] days from note date. Income documentation is dated [redacted]. | Reviewer Comment (2026-08-11): Received Bank Statement within [redacted]days of Note Date. Exception cleared |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225979557 | [Redacted] | [Redacted] | 37069107 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Title commitment policy coverage is less than original loan amount. | Reviewer Comment (2026-08-11): Received Title Supplement with policy amount $[redacted]. Exception cleared Buyer Comment (2026-08-10): please see doc [redacted]for title endorsement updated loan amount to $[redacted] |
08/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225979557 | [Redacted] | [Redacted] | 37069251 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
D[Redacted] discrepancy with DTI. Lender DTI [redacted]%, review DTI [redacted]%. The reason for the discrepancy is due to investment property [redacted] expenses reflected on [redacted] as $[redacted] and on verified documents as $[redacted]. | Reviewer Comment (2026-08-25): Updated 1008,1003 and CD provided Buyer Comment (2026-08-21): please see attached rev 1008 & 1003 for updated B2 & B3 primary hoi\tax amounts |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225979557 | [Redacted] | [Redacted] | 37069333 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to asset depletion income documents not within [redacted] days from note date. Income documentation is dated [redacted]. | Reviewer Comment (2026-08-25): Updated 1008 and 1003 provided Buyer Comment (2026-08-21): please see attached rev 1008 & 1003 for updated B2 & B3 primary hoi\tax amounts Reviewer Comment (2026-08-11): On investment property [redacted] expenses reflected on 1003 as $[redacted]and on verified documents as $[redacted](Insurance - $[redacted], Taxes - $[redacted]and HOA - $[redacted]). Please provide supporting documents to verify other payments of $[redacted]. Exception remains Buyer Comment (2026-08-10): please see asset account#[redacted]statement dated [redacted] doc [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225979557 | [Redacted] | [Redacted] | 37078367 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance found for the increased fee and the cure provided at closing was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-08-24): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-08-21): please see attached [redacted] ICD COC notes Reviewer Comment (2026-08-11): [redacted] received rebuttal stating loan amount increase impacted loan discount point fee which is [Redacted]lid reason .However, we would also require a [Redacted]lid COC within [redacted] business days of the change in order to clear the exception. Buyer Comment (2026-08-10): discount points increased to $[redacted] on [redacted] ICD due to loan amount increase from $[redacted]([redacted] |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225979557 | [Redacted] | [Redacted] | 37078368 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance found for the increased fee and the cure provided at closing was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-07-27): Cured at closing or within [redacted]days of consummation prior to [redacted] review |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225979557 | [Redacted] | [Redacted] | 37078369 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Sewer Repairs Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance found for the increased fee and the cure provided at closing was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-08-24): [redacted] received Post CD and LOX. Buyer Comment (2026-08-21): please see attached lox & pccd moving 3rd party sewer fee to section [redacted] Reviewer Comment (2026-08-11): [redacted] received rebuttal stating the fee were paid to the city and is not a zero-tolerance fee. Therefore, we would require this fee to be moved to section [redacted] on Post CD along with LOX to the borrower in order to clear the exception. Buyer Comment (2026-08-10): the $[redacted]is a sewer fee paid to the city and is not a zero tolerance fee. please remove from your calculations |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225979557 | [Redacted] | [Redacted] | 37078423 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Mortgage history does not meet guides with 1x6[redacted] in the most recent [redacted] months. [redacted] indicates the lender approved an exception; however, the exception form, appro[Redacted]l and comp factors were not located in the loan file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-11): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-11): Lender exception appro[Redacted]l provided for [redacted] mortgage lates on subject 2nd mortgage w/shellpoiint ' [redacted] rolled into a [redacted] day late [redacted]. LOE received from applicant and lates are not [redacted]months old. Buyer Comment (2026-08-10): please see attached lender exception |
08/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225979557 | [Redacted] | [Redacted] | 37201294 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | D[Redacted] discrepancy with DTI. Lender DTI [redacted]%, review DTI [redacted]%. The reason for the discrepancy is due to investment property [redacted] expenses reflected on [redacted] as $[redacted] and on verified documents as $[redacted] (Insurance - $[redacted], Taxes - $[redacted] and HOA - $[redacted]). | Reviewer Comment (2026-08-25): Updated 1008 and 1003 provided Buyer Comment (2026-08-21): please see attached rev 1008 & 1003 for updated B2 & B3 primary hoi\tax amounts |
08/25/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225979557 | [Redacted] | [Redacted] | 37208139 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for IRs balance $[redacted]. Not on a repayment plan. This was joint liability with their ex who they have just finalized a divorce with [Redacted] letter attached. Not on a formal repayment plan with the IRS. Joint applicants have assets to support exclusion if allowable. Purpose of application is to buyout ex as terms of divorce. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-11): client elects to downgrade and waive with compensating factors. |
08/11/2026 | Yes | 2 | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 225979557 | [Redacted] | [Redacted] | 37329319 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225985186 | [Redacted] | [Redacted] | 37064532 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-08-12): Received Appraisal report. Exception Cleared. Buyer Comment (2026-08-11): appraisal Buyer Comment (2026-08-11): appraisal date is after the disaster date |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225985186 | [Redacted] | [Redacted] | 37064550 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-12): Received Appraisal report. Exception Cleared. |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225985186 | [Redacted] | [Redacted] | 37065107 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points disclosed as $[redacted] on final CD and as $[redacted] on final CD. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-14): [redacted] received COC and rate lock Buyer Comment (2026-08-12): Bad lock format, please use these Buyer Comment (2026-08-12): COC |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225985186 | [Redacted] | [Redacted] | 37065350 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal not provided | Reviewer Comment (2026-08-12): Received Appraisal report. Exception Cleared. |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225985186 | [Redacted] | [Redacted] | 37069319 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Required [redacted]/Appraisal not provided in file. | Reviewer Comment (2026-08-12): Received Appraisal report. Exception Cleared. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225986210 | [Redacted] | [Redacted] | 37203346 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - FICO | Reviewer Comment (2026-08-25): Cleared. Per client FICO updated to align with DD review. Reviewer Comment (2026-08-11): The CPA letter indicates that borrower's each own [redacted]% of the business. The borrower has additional wages added to income that is used to qualfiy. Per guidelines, the middle score of the primary income earner is used to qualify. Buyer Comment (2026-08-11): This is a bank statement loan and [redacted] used co-borrower's FICO ([redacted]) since they are the primary income earner while [redacted] used B1/[redacted]. Please review and have your FICO updated as needed. Thank you. |
08/25/2026 | No | 1 | A | A | A | A | A | FL | Primary | Pur[Redacted] | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225986212 | [Redacted] | [Redacted] | 37059937 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Monthly payment for HOA $[redacted] is not considered in DSCR calculation, which is impacting the DSCR Ratio. | Reviewer Comment (2026-08-17): Bid tape DSCR d[Redacted] updated. Exception cleared. Buyer Comment (2026-08-14): Check Bid tape now Reviewer Comment (2026-08-06): Received DSCR worksheet with calculated DSCR of [redacted]as subject is short term rental. Require Bid Tape date to be rectified to [redacted]along with 1008 form is required with DSCR of [redacted]. Exception remains. Buyer Comment (2026-08-04): Worksheet |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225986220 | [Redacted] | [Redacted] | 37074783 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | DSCR Used Market rent $[redacted]/PITIA of $[redacted] (P&I $[redacted] + HOI $[redacted] + Taxes $[redacted]) = [redacted] | Reviewer Comment (2026-07-30): Cleared. Received updated bid tape. Reviewer Comment (2026-07-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Seller Comment (2026-07-30): The document does have the updated bid tape - please see page [redacted]of upload Reviewer Comment (2026-07-29): DSCR Used Market rent $[redacted]/PITIA of $[redacted](P&I $[redacted] + HOI $[redacted]+ Taxes $[redacted]) = [redacted]. Please Update Bid Tape [Redacted]lue. Exception remains. Seller Comment (2026-07-28): updated bid tape |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | D | A | D | A | C | A | N/A | No | ||||||||||||||
| 225986220 | [Redacted] | [Redacted] | 37074794 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was not found in file. | Reviewer Comment (2026-07-29): Received Guarantor Agreement for the Entity. Document Associated and Exception cleared. Seller Comment (2026-07-28): GUARANTY |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Pur[Redacted] | D | A | D | A | C | A | N/A | No | ||||||||||||||
| 225986220 | [Redacted] | [Redacted] | 37080906 | Property | Property - Appraisal | [Redacted] Appraisal Requirements | Property - Appraisal | Appraisal was provided. The secondary [Redacted]luation does not support the Appraisal within a [redacted]% tolerance | CD analysis [Redacted]lue of indeterminate does not meet guideline requirement. Please provide new secondary appraisal analysis with acceptable [Redacted]lue amount. Additional requirement may apply. | Reviewer Comment (2026-08-11): Field review received and captured. Exception cleared. Seller Comment (2026-08-11): The field review was done at a later date, it doesn't need to match the appraisal effective date. Please have this reviewed again. Reviewer Comment (2026-08-11): The field review effective date [redacted] does not match with appraisal effective date [redacted]. Exception Remains Seller Comment (2026-08-07): re scanned LEGAL size Field Review Reviewer Comment (2026-08-07): The provided Field Review document is not properly scanned, as the bottom portion is cut off. Please provide the complete document. Exception remains. Seller Comment (2026-08-06): Field review rec'd |
08/11/2026 | No | 1 | C | A | A | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | D | A | D | A | C | A | N/A | No | ||||||||||||||
| 225986239 | [Redacted] | [Redacted] | 37070893 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225986239 | [Redacted] | [Redacted] | 37070894 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225986239 | [Redacted] | [Redacted] | 37070895 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225986240 | [Redacted] | [Redacted] | 37071075 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225986240 | [Redacted] | [Redacted] | 37071076 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225986280 | [Redacted] | [Redacted] | 37071521 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | [redacted] indicates borrower is a Permanent Resident; however, the file is missing a copy of the Permanent Resident card. | Reviewer Comment (2026-08-10): Received the corrected 1003. Per the updated 1003 application, the borrower is confirmed as a [redacted]. Citizen. Exception cleared. Buyer Comment (2026-08-06): corrected 1003, borrower is a [redacted]citizen |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225986280 | [Redacted] | [Redacted] | 37071533 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter was not found in file. The a[Redacted]ilable gift letter does not have an amount, bank name, or donor name. | Reviewer Comment (2026-08-04): Received gift letter. Exception cleared. Buyer Comment (2026-07-31): gift letter |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225986280 | [Redacted] | [Redacted] | 37071572 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Gift letter was not found in file. | Reviewer Comment (2026-08-04): Received gift letter. Exception cleared. Buyer Comment (2026-07-31): see uploaded |
08/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ND | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225986280 | [Redacted] | [Redacted] | 37071573 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Gift letter was not found in file. | Reviewer Comment (2026-08-04): Received gift letter. Exception cleared. Buyer Comment (2026-07-31): see uploaded |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225986280 | [Redacted] | [Redacted] | 37083247 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance found in file and the $[redacted] tolerance cure provided at closing was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-10): [redacted] received rebuttal comment and further review, abstract search fee added with subsequent LE and final CD. Buyer Comment (2026-08-07): Also, the credit on the final cd is for the [redacted] increase cure Buyer Comment (2026-08-07): You're missing the [redacted]% title search fee in your calculations. Once added we should be ok. Reviewer Comment (2026-08-03): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the title fees were increased/added. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increase/added and when lender became aware of the change. A [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-07-31): Please see LE and recalculate your baseline |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225986280 | [Redacted] | [Redacted] | 37083248 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid change of circumstance found in file and the $[redacted] tolerance cure provided at closing was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-10): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Reviewer Comment (2026-08-03): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increased and when lender became aware of the change. A [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-07-31): see uploaded LE |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225986280 | [Redacted] | [Redacted] | 37188745 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | ND | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225986281 | [Redacted] | [Redacted] | 37071779 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-07-25): Sufficient Cure Provided At Closing |
07/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225986283 | [Redacted] | [Redacted] | 37071669 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-08-04): [redacted] received disclosure tracking summary indicates that the eConsent accepted by borrower on [redacted]. Buyer Comment (2026-08-03): Disclosure Tracking |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225986283 | [Redacted] | [Redacted] | 37071671 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-25): Sufficient Cure Provided At Closing |
07/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225986287 | [Redacted] | [Redacted] | 37071963 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-09-03): Received 1007 rent comparable schedule document. Exception Cleared. Buyer Comment (2026-09-02): 1007 |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| 225986287 | [Redacted] | [Redacted] | 37071965 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Reviewer Comment (2026-09-03): Received 1007 rent comparable schedule document. Exception Cleared. Buyer Comment (2026-09-02): 1007 submitted |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||
| 225986400 | [Redacted] | [Redacted] | 37073763 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third-Party Verification was not provided in the file. | Reviewer Comment (2026-08-20): As per 1008 and Final 1003 consider borrower income from [redacted]. Exception Cleared. Buyer Comment (2026-08-19): Found the [Redacted] [Redacted] businesses, we aren't using the income though from that business, so we don't need a business verification Buyer Comment (2026-08-19): There is no business called [Redacted] [redacted]. [redacted] provides $[redacted]of the borrower and coborrower's income. They are [redacted]% owners so it is split. And the other $[redacted]comes from the borrower from [redacted]. Reviewer Comment (2026-08-13): Doc id [redacted]Business listing is for [redacted] and Doc id [redacted]business listing is for [redacted]. Require third party Verification for [Redacted] [redacted]. Exception Remains. Buyer Comment (2026-08-12): [redacted]and [redacted] are the third party verifications for both businesses |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225986400 | [Redacted] | [Redacted] | 37073767 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Fixed Interest Rate Rider was not provided. | Reviewer Comment (2026-08-13): Fixed Interest Rate Rider received in file. Exception Cleared. Buyer Comment (2026-08-12): [redacted]is the fixed interest rate rider. was originally shipped Buyer Comment (2026-08-12): Rider |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225986400 | [Redacted] | [Redacted] | 37073776 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification was not provided. | Reviewer Comment (2026-08-13): Received HOA Verification. Exception Cleared. Buyer Comment (2026-08-12): [redacted] is the hoa |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225986400 | [Redacted] | [Redacted] | 37091044 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing third party verification for [redacted] income for borrower. | Reviewer Comment (2026-08-20): As per 1008 and Final 1003 consider borrower income from [redacted]. Exception Cleared. Buyer Comment (2026-08-19): Found the [Redacted] [Redacted] businesses, we aren't using the income though from that business, so we don't need a business verification Buyer Comment (2026-08-19): [redacted] Reviewer Comment (2026-08-13): Doc id [redacted]Business listing is for [redacted] and Doc id [redacted]business listing is for [redacted]. Require third party Verification for [Redacted] [redacted]. Exception Remains. Buyer Comment (2026-08-12): [redacted]and [redacted] are the third party verifications for both businesses |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225987237 | [Redacted] | [Redacted] | 37071620 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Co-Borrower is a Non-Permanent Resident, and the file does not contain supporting documents like a VISA or Passport. | Reviewer Comment (2026-09-02): ITIN document verified and details updated. Exception cleared. Buyer Comment (2026-08-31): The Co-borrower is a Non-Permanent Resident which also means he has no Visa or Passport to provide - this was an ITIN loan |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225987237 | [Redacted] | [Redacted] | 37071623 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | Co-Borrower is a Non-Permanent Resident, and the file does not contain supporting documents like a VISA or Passport. | Reviewer Comment (2026-09-02): Received ITIN document. Details verified and updated, Exception cleared. Buyer Comment (2026-08-31): Waterfall |
09/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225987237 | [Redacted] | [Redacted] | 37071624 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Co-Borrower is a Non-Permanent Resident, and the file does not contain supporting documents like a VISA or Passport. | Reviewer Comment (2026-09-02): ITIN document verified and details updated. Exception cleared. Buyer Comment (2026-08-31): Waterfall |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225987237 | [Redacted] | [Redacted] | 37071633 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-25): Sufficient Cure Provided At Closing |
07/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225988654 | [Redacted] | [Redacted] | 37091263 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225989798 | [Redacted] | [Redacted] | 37071569 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. The total amount of $[redacted] exceeds the tolerance of $[redacted] plus [redacted]% or $[redacted]. | Reviewer Comment (2026-08-06): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-08-05): pccd docs with proof sent to bwr upld, fees moved to section [redacted], bwr shopped for, not held to [redacted] tolerance. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225989798 | [Redacted] | [Redacted] | 37071570 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Recording Service Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-08-06): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-08-05): pccd docs with proof sent to bwr upld to trl docs, fees moved to section [redacted], bwr shopped for, not held to [redacted] tolerance. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225989798 | [Redacted] | [Redacted] | 37071578 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | The borrower has an open Charge account with a balance of $[redacted]. Proof of Payment or Dispute Letters are required. | Reviewer Comment (2026-08-05): As per guidelines, open collections and charge-offs may remain open at the underwriter's discretion. Additionally, the title compa[Redacted] confirmed via the [redacted]email that these item do not impact the title. Exception cleared. Buyer Comment (2026-08-04): please see title email on [redacted]confirming doesn't affect title and refer to section [redacted]of the guides that states charge-offs may be left open at uw discretion. |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Pur[Redacted] | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225989798 | [Redacted] | [Redacted] | 37216901 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Discrepancy in [Redacted]lue | Reviewer Comment (2026-08-20): Received updated documentation. Cleared. Buyer Comment (2026-08-18): Hello, please see the attached LTV Rebuttal. Thank you! Reviewer Comment (2026-08-14): Appraisal $[redacted]/Pur[Redacted] price $[redacted] [redacted](sale price)=[redacted] Buyer Comment (2026-08-12): [redacted] respectfully disagrees with [redacted] LTV of [redacted]% Pur[Redacted] price: $[redacted] Appraised [Redacted]lue: $[redacted] Loan [Redacted]lue: $[redacted] After further review, we show no Addendum changing sales price to $[redacted] |
08/20/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Pur[Redacted] | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225989809 | [Redacted] | [Redacted] | 37071723 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA verification for [redacted] | Reviewer Comment (2026-08-03): HOA details verified and updated. Exception cleared. Buyer Comment (2026-07-30): See [redacted]. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225989811 | [Redacted] | [Redacted] | 37072698 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Missing verification of employment within [redacted] business days of Note date. | Reviewer Comment (2026-08-11): VOE received for co borrower, exception cleared. Buyer Comment (2026-08-10): Please see attached. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225989811 | [Redacted] | [Redacted] | 37072708 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Co-Borrower third-party verification document was missing. | Reviewer Comment (2026-08-11): VOE received for co borrower, exception cleared. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225989811 | [Redacted] | [Redacted] | 37072709 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | Co-Borrower third-party verification document was missing. | Reviewer Comment (2026-08-11): VOE received for co borrower, exception cleared. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225989811 | [Redacted] | [Redacted] | 37072710 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing verification of employment within [redacted] business days of Note date for co-borrower. | Reviewer Comment (2026-08-11): VOE received for co borrower, exception cleared. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225989811 | [Redacted] | [Redacted] | 37072711 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Missing verification of employment within [redacted] business days of Note date for co-borrower. | Reviewer Comment (2026-08-11): VOE received for co borrower, exception cleared. |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225989811 | [Redacted] | [Redacted] | 37091399 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing verification of employment within [redacted] business days of Note date for co-borrower. | Reviewer Comment (2026-08-11): VOE received for co borrower, exception cleared. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225991173 | [Redacted] | [Redacted] | 37073289 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Fraud report reflects error in SSN and error on Civil Court Search Report due to name/SSN mismatch, please provide updated Fraud report with [Redacted]lid summary report for guarantor reflecting cleared and proof of SSN as per Fraud Report. | Reviewer Comment (2026-08-13): Document provided showing cleared [redacted] Buyer Comment (2026-08-11): That's only a recommendation and not a requirement. It was regarding the last name only and cleared by confirming it was just and AKA. That last name is consistent with credit report. Reviewer Comment (2026-08-10): Received Fraud report with cleared status. Missing proof of SSN Exception remains. Buyer Comment (2026-08-06): Please see page [redacted]. Was cleared. Reviewer Comment (2026-08-06): The provided fraud alert is reflecting as an SSN error. Please provide an updated fraud report with a [Redacted]lid guarantor summary confirming that the alert has been cleared, along with proof of SSN verification in accordance with the fraud report findings. Exception Remains. Buyer Comment (2026-08-05): Alerts cleared |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225991605 | [Redacted] | [Redacted] | 37071707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-08-18): [redacted] received CD dated [redacted] Buyer Comment (2026-08-17): ICD Reviewer Comment (2026-08-13): [redacted] received disclosure tracking for the [redacted] CD. Please provide the [redacted] CD as it is not located in file. Buyer Comment (2026-08-12): ICD received |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225991605 | [Redacted] | [Redacted] | 37071717 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception - A cash-out refinance exception is requested for the subject property. Per current guidelines, cash-out refinances are not permitted on rural properties. However, the borrower presents an otherwise strong credit profile and the transaction demonstrates an acceptable ability to repay. Compensating Factor - LTV [redacted]% or more under requirement, FICO [redacted] points or more above requirement, Total DTI [redacted]% or more under requirement, Long term employment >[redacted] years, Long term home ownership >[redacted] years. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): Client elects to downgrade and waive wtih compensating factors. Buyer Comment (2026-08-12): appro[Redacted]l |
08/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225991605 | [Redacted] | [Redacted] | 37074208 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided cure at closing for increase in Appraisal Fee. No [Redacted]lid Change of Circumstance was found in the file. | Reviewer Comment (2026-07-26): Sufficient Cure Provided At Closing |
07/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225992766 | [Redacted] | [Redacted] | 37091407 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement for [redacted] | Reviewer Comment (2026-08-03): A[Redacted]ilable Mortgage statement, payoff statement/payment history [Redacted]lidated of REO property "[redacted]", information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-07-30): See [redacted]. This is what the mortgage compa[Redacted] provided. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225992778 | [Redacted] | [Redacted] | 37059879 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not provided. | Reviewer Comment (2026-07-31): Patriot Act for both borrowers, cleared Buyer Comment (2026-07-30): [redacted]Patriot Act Information Form |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225993935 | [Redacted] | [Redacted] | 37071102 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-31): [redacted] received corrected PCCD and LOE. Buyer Comment (2026-08-28): PCCD submitted Reviewer Comment (2026-08-24): [redacted] received rebuttal, appears borrower shopped for title fees. Corrected CD moving the title fees to section [redacted] and LOE to borrower required to cure. Buyer Comment (2026-08-20): Per the SSPL, the borrower shopped for these fees. They just need to be moved to section [redacted]. Please confirm that this is an acceptable cure since the borrower shopped. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225993935 | [Redacted] | [Redacted] | 37071103 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted]. | Reviewer Comment (2026-08-31): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |
08/31/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225994098 | [Redacted] | [Redacted] | 37072183 | Credit | Document Inventory | [Redacted] | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing. | Reviewer Comment (2026-07-31): As per a[Redacted]ilable Final 1003 Taxpayer consent verbiage a[Redacted]ilable, information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-07-29): Please see attached. |
07/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Pur[Redacted] | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994098 | [Redacted] | [Redacted] | 37072201 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-08-03): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-07-31): Please see attached Reviewer Comment (2026-07-30): [redacted] received eSign electronic evidence summary with Loan disclosure History. However, the document provided does not reflect the actual Electronic Consent Agreement Authorization by borrower and only reflects the history of a disclosure sent to borrower that was signed. No entry states "electronic consent approved/authorized. Provide actual E-consent agreement with borrower. Buyer Comment (2026-07-29): Please see attached. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994098 | [Redacted] | [Redacted] | 37081694 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225994153 | [Redacted] | [Redacted] | 37072414 | Credit | Document Inventory | [Redacted] | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing. | Reviewer Comment (2026-08-05): Taxpayer Consent confirmed on the Final Application. Re[Redacted]lidated. Exception cleared. Buyer Comment (2026-08-04): please cancel cond, the taxpayer consent is on the final application - Section [redacted]: acknowledgements & agreements |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Pur[Redacted] | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994153 | [Redacted] | [Redacted] | 37072426 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-08-04): [redacted] Received Copy of Initial LE dated [redacted]. Buyer Comment (2026-08-04): ***apologies, the application date is [redacted]. Buyer Comment (2026-08-04): [redacted]le & tracking upld, the full application with correct date of [redacted] is on [redacted], application dated [redacted] on [redacted]was incomplete with tbd address. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994153 | [Redacted] | [Redacted] | 37151354 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increase/added and when lender became aware of the change. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | Reviewer Comment (2026-08-06): [redacted] received LOE and [Redacted]lid COC Buyer Comment (2026-08-05): rebuttal and aprsl invoice upld |
08/06/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225994201 | [Redacted] | [Redacted] | 37072147 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten-percent fee tolerance exceeded. The total amount of $[redacted] exceeds the tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-25): Sufficient Cure Provided At Closing |
07/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225994201 | [Redacted] | [Redacted] | 37072148 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated. | Reviewer Comment (2026-08-31): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-08-28): updated right to cancel, proof bwrs viewed and email chain with bwr for reason needed - uploaded Reviewer Comment (2026-08-12): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Please provide re-opened RTC showing timely delivery and at least [redacted] days from delivery to expiration of the RTC. Buyer Comment (2026-08-11): pccd docs upld Reviewer Comment (2026-08-06): Cure at closing was related to the [redacted] fee tolerance and increase in recording fees which is not a Finance Charge and cannot be used towards this separate violation for the underdisclosure of the finance Charge. Cure is Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted], proof of mailing and proof of reopening of rescission. In reviewing lender's compliance [redacted]the $[redacted]Tax Return Verification fee & the Loan Safe Report (fraud report) $[redacted]were not included in lender's finance charge calculation. Both are finance charges and were not included in calculation. Buyer Comment (2026-08-05): please cancel, this was cured at closing on the final cd sect j |
08/31/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225994201 | [Redacted] | [Redacted] | 37072164 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-08-06): Received Replacement Cost Estimator. Exception cleared. Buyer Comment (2026-08-05): rce upld Reviewer Comment (2026-08-05): The subject loan amount is $[redacted], and the a[Redacted]ilable second lien amount is $[redacted], resulting in a total loan amount of $[redacted]. This exceeds the maximum insured amount of $[redacted], Exception Remains Buyer Comment (2026-08-03): please see policy of [redacted] for the subject property with sufficient coverage |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225994203 | [Redacted] | [Redacted] | 37071824 | Compliance | Compliance | State Compliance | State Defect | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty ([redacted]; [redacted]) - Permissive Method | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty (Prior to [redacted]): Alternate prepayment penalty testing methodology utilized under §[redacted] allowing prepays over prescribed limits (greater than [redacted] months or [redacted] months' ad[Redacted]nced interest on prepayment in excess of [redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [redacted] outside counsel given the ambiguity in the state law. Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Buyer Comment (2026-08-11): waived |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Pur[Redacted] | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225994203 | [Redacted] | [Redacted] | 37071830 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | [Redacted]lid passport/visa/permanent residence card is missing for the borrower, [redacted]. | Reviewer Comment (2026-08-13): ITIN along with driver license present in loan file. Exception cleared Buyer Comment (2026-08-11): [redacted]is the translated ITIN and [redacted]is the untranslated one |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Investment | Pur[Redacted] | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225994203 | [Redacted] | [Redacted] | 37071831 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | [Redacted]lid passport/visa/permanent residence card is missing for the borrower, [redacted]. | Reviewer Comment (2026-08-13): ITIN along with driver license present in loan file. Exception cleared Buyer Comment (2026-08-11): [redacted]is the translated ITIN and [redacted]is the untranslated one |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Pur[Redacted] | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225994430 | [Redacted] | [Redacted] | 37074656 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Borrower is qualified with the business bank statement income; the file is missing the business account statement account ending#[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-25): Received business bank statements are verified and associated, exception cleared. Buyer Comment (2026-08-21): Please see attached |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994430 | [Redacted] | [Redacted] | 37074663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall failure due to the borrower being qualified with the business bank statement income; the file is missing the business account statement account ending#[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-25): Received business bank statements are verified and associated, exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994430 | [Redacted] | [Redacted] | 37074665 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall failure due to the borrower being qualified with the business bank statement income; the file is missing the business account statement account ending#[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-25): Received business bank statements are verified and associated, exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994430 | [Redacted] | [Redacted] | 37074666 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Borrower is qualified with the business bank statement income; the file is missing the business account statement account ending#[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-25): Received business bank statements are verified and associated, exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994430 | [Redacted] | [Redacted] | 37074667 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the borrower being qualified with the business bank statement income; the file is missing the business account statement account ending#[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-25): Received business bank statements are verified and associated, exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994430 | [Redacted] | [Redacted] | 37074668 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Borrower is qualified with the business bank statement income; the file is missing the business account statement account ending#[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-25): Received business bank statements are verified and associated, exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994433 | [Redacted] | [Redacted] | 37072822 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy document was not provided. | Reviewer Comment (2026-08-11): Received hazard policy. Exception cleared. Buyer Comment (2026-08-07): Please see attached. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994433 | [Redacted] | [Redacted] | 37072845 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Verified and captured the a[Redacted]ilable assets; however borrower is short reserves | Reviewer Comment (2026-09-01): Cleared. Received additional asset Buyer Comment (2026-08-31): Please see the transaction history which shows the ending balance of $[redacted]. Please clear condition. Reviewer Comment (2026-08-11): As per latest bank statement balance reflecting for [redacted] due to which asset requirement not met. Exception remains. Buyer Comment (2026-08-07): Please re-review the assets. [redacted]. Deduct the EMD of $[redacted] - Funds for closing = $[redacted]. Based on this, there are enough to cover the reserves. Please clear condition. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994433 | [Redacted] | [Redacted] | 37072846 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verified and captured the a[Redacted]ilable assets; still, asset requirements were not met, due to which this exception fired. | Reviewer Comment (2026-09-01): Received updated asset. Buyer Comment (2026-08-31): Waterfall Reviewer Comment (2026-08-11): As per latest bank statement balance reflecting for [redacted] due to which asset requirement not met. Exception remains. Buyer Comment (2026-08-07): Waterfall |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994433 | [Redacted] | [Redacted] | 37072847 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Verified and captured the a[Redacted]ilable assets; still, asset requirements were not met, due to which this exception fired. | Reviewer Comment (2026-09-01): Received updated asset. Buyer Comment (2026-08-31): Waterfall Reviewer Comment (2026-08-11): As per latest bank statement balance reflecting for [redacted] due to which asset requirement not met. Exception remains. Buyer Comment (2026-08-07): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994433 | [Redacted] | [Redacted] | 37072850 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-11): Received e-sign consent. Exception cleared. Buyer Comment (2026-08-07): Please see attached. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994435 | [Redacted] | [Redacted] | 37073128 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-08-05): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-08-03): econsent upld |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994435 | [Redacted] | [Redacted] | 37073130 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $-[redacted] on LE but disclosed as $-[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-05): [redacted] received CD dated [redacted] and as per COC dated [redacted]. Buyer Comment (2026-08-04): [redacted] cd and tracking upld Reviewer Comment (2026-08-04): [redacted]: The COC dated [redacted] in file indicates loan amount decrease. however, there is no CD dated within that time frame. Please provide a[Redacted] missing CD to associate with the changed circumstance dated [redacted] to ree[Redacted]luate this exception or provide a changed circumstance supporting the final CD dated [redacted]. Otherwise, a cure will be required. Buyer Comment (2026-08-03): please cancel, the [Redacted]lid coc is on [redacted], the credit was reduced due to a loan amount decrease. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994437 | [Redacted] | [Redacted] | 37073703 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Borrower is not a US Citizen, and Verification of Non-US Citizen Status. | Reviewer Comment (2026-08-12): ITIN present in file. Exception cleared. Buyer Comment (2026-08-11): D-[redacted]is the ITIN and that is sufficient |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994437 | [Redacted] | [Redacted] | 37073778 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-09-01): Borrower received appraisal delivery on [redacted]. Exception Cleared. Reviewer Comment (2026-08-24): Provide documentation showing the date the borrower received the appraisal so we can verify that it was delivered at least [redacted] business days prior to the Note date. Exception remains Buyer Comment (2026-08-20): There is only one appraisal. [redacted] shows the appraisal and the CDA both being delivered to the borrower Reviewer Comment (2026-08-12): Document [redacted]not reflecting date on which copy of appraisal received to borrower. Exception remains. Buyer Comment (2026-08-11): [redacted]is the proof the borrower received the appraisal |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994437 | [Redacted] | [Redacted] | 37073779 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | [Redacted]luation was not provided to applicant [redacted] business days prior to closing. | Reviewer Comment (2026-09-01): Borrower received appraisal delivery on [redacted]. Exception Cleared. Buyer Comment (2026-08-28): sent to bwr Reviewer Comment (2026-08-24): Provide documentation showing the date the borrower received the appraisal so we can verify that it was delivered at least [redacted] business days prior to the Note date. Exception remains Buyer Comment (2026-08-20): There is only one appraisal. [redacted] shows the appraisal and the CDA both being delivered to the borrower Reviewer Comment (2026-08-12): Document [redacted]not reflecting date on which copy of appraisal received to borrower. Exception remains. Buyer Comment (2026-08-11): [redacted]is the proof the borrower received the appraisal |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994438 | [Redacted] | [Redacted] | 37107645 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994439 | [Redacted] | [Redacted] | 37074821 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual [Redacted]lues on the initial Loan Estimate, a fee tolerance cure of up to $[redacted] may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). | Reviewer Comment (2026-08-12): [redacted] received [redacted] initial LE within [redacted] business days of application. Buyer Comment (2026-08-11): Please see Initial LE dated [redacted] to clear condition. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225994439 | [Redacted] | [Redacted] | 37074822 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee increased to $[redacted] without a [Redacted]lid change of circumstance; Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-12): [redacted] received [redacted] initial LE and the fee was correctly disclosed to the consumer. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994464 | [Redacted] | [Redacted] | 37091854 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing an OFAC search for the borrowing entity. | Reviewer Comment (2026-08-04): OFAC search for the borrowing entity, cleared Buyer Comment (2026-08-03): OFAC |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225994498 | [Redacted] | [Redacted] | 37073002 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-08-11): Final title policy received. Exception cleared. |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994498 | [Redacted] | [Redacted] | 37073003 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy amount of $[redacted] is insufficient, as it is less than the Note amount of $[redacted] based on the Title Commitment contained in the file. | Reviewer Comment (2026-08-11): Title policy amount updated from final title policy. Exception cleared. Buyer Comment (2026-08-10): final policy upld |
08/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994498 | [Redacted] | [Redacted] | 37073007 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Address: [redacted] - Mortgage statement not provided. | Reviewer Comment (2026-08-05): Received the Closing Disclosure and Note Document confirms PITIA and reflects a balloon payment structure with interest-only payments for the [redacted] months and the full balance due in the [redacted] month. Exception cleared. Buyer Comment (2026-08-04): note/cd upld |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994498 | [Redacted] | [Redacted] | 37073012 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-25): Sufficient Cure Provided At Closing |
07/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225994502 | [Redacted] | [Redacted] | 37074144 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not found in file. | Reviewer Comment (2026-07-31): Patriot Act for both borrowers, cleared Buyer Comment (2026-07-30): Patriot Act Form |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225994893 | [Redacted] | [Redacted] | 37073261 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Final closing disclosure was not received by borrower at least [redacted] business days prior to consummation. | Reviewer Comment (2026-08-05): [redacted] received page [redacted] CDs Buyer Comment (2026-08-04): All pages of CDS |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225994893 | [Redacted] | [Redacted] | 37077404 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender cure of $[redacted] was provided for the increase in the credit report fee without a [Redacted]lid change of circumstance. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225997788 | [Redacted] | [Redacted] | 37085061 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225998465 | [Redacted] | [Redacted] | 37085497 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | Final Loan Application - Section [redacted]: Declarations - A. Will you occupy the property as your primary residence? - Marked as "No" and Occupancy Certificate & Section [redacted] of Final Loan Application is showing subject property is Primary Pur[Redacted]. | Reviewer Comment (2026-08-04): Received updated 1003 with correct "Section [redacted]: Declarations - A. Will you occupy the property as your primary residence?". Exception cleared. Buyer Comment (2026-07-31): Updated 1003 |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225998510 | [Redacted] | [Redacted] | 37072208 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty document is missing in the file. | Reviewer Comment (2026-08-14): Cleared Buyer Comment (2026-08-12): The condo only consists of [redacted]units. Borrower is responsible for his own hazard insurance and has an HO3 policy. Warrantable condo not required. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225998510 | [Redacted] | [Redacted] | 37072209 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | PITI $[redacted] (P&I $[redacted], taxes $[redacted], and Hazard $[redacted]). Rent $[redacted] = [redacted] DSCR. DSCR Worksheet is missing in file to confirm qualification method by Lender. |
Reviewer Comment (2026-08-13): Received DSCR calculation worksheet and Form 1007 reflecting short-term rental income. Exception cleared. Buyer Comment (2026-08-11): [redacted] respectfully disagrees with [redacted] rent calculation. Subject property is short-term rental, must give 1007 rent a [redacted]% haircut Please review 1007, DSCR calc and update [redacted] dscr Buyer Comment (2026-08-11): 1007, DSCR Calc |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225998827 | [Redacted] | [Redacted] | 37072181 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-07): Received Title Final. Exception Cleared. |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 225998827 | [Redacted] | [Redacted] | 37083203 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Please provide evidence that the judgment has been paid and cleared with no outstanding balance. | Reviewer Comment (2026-08-07): Received Title Final reflecting judgments has been paid off. Exception Cleared. Buyer Comment (2026-08-06): See final title. No judgments listed. |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225999031 | [Redacted] | [Redacted] | 37080719 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification was not found in the file for the [redacted] property. Final [redacted] reflects $[redacted] not included in mortgage payment. | Reviewer Comment (2026-08-10): HOA document received and verified. Exception cleared Buyer Comment (2026-08-07): [redacted] hoa verification upld Reviewer Comment (2026-08-06): HOA document id:[redacted]does not belong to primary property located at [redacted]. Provide document for $[redacted]not included in mortgage payment for primary property. Exception remains. Buyer Comment (2026-08-05): hoa is on [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225999031 | [Redacted] | [Redacted] | 37096017 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing REO documents. | Reviewer Comment (2026-08-10): HOA document received and verified. Exception cleared Buyer Comment (2026-08-07): [redacted] hoa verification upld to trl docs Reviewer Comment (2026-08-06): HOA document id:[redacted]does not belong to primary property located at [redacted]. Provide document for $[redacted]not included in mortgage payment for primary property. Exception remains. Buyer Comment (2026-08-05): mortgage statement is on [redacted], taxes [redacted], hoi [redacted]and hoa [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225999033 | [Redacted] | [Redacted] | 37076506 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The loan team has asked for a rush review. Closing is scheduled for [redacted]th. I am submitting a rush request for a [Redacted] exception. The condo has [redacted] non-warrantable condo features: [redacted]) The project has a [redacted]-year recreational lease. [redacted]) The project has insufficient property coverage due to the maximum loss limit being less than [redacted]% of the estimated replacement cost [Redacted]lue. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Loan to [Redacted]lue (LTV) on the loan is less than or equal to [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The representative FICO score is above [redacted]. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower's monthly mortgage payment has decreased by at least [redacted]%. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-07-28): Client elects to waive with compensating factors. |
07/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Pur[Redacted] | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225999035 | [Redacted] | [Redacted] | 37072570 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-08-05): Received revised title commitment. Exception cleared. Buyer Comment (2026-08-04): Title |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225999037 | [Redacted] | [Redacted] | 37076241 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report Fee increased from $[redacted] to $[redacted] without a [Redacted]lid change of circumstance or cure provided. | Reviewer Comment (2026-08-13): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-12): Cured on final CD in Section [redacted] |
08/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225999037 | [Redacted] | [Redacted] | 37076242 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A Survey Fee in the amount of $[redacted] was added without a [Redacted]lid change of circumstance or cure provided. | Reviewer Comment (2026-08-25): [redacted] received PCCD, LOE and attestation. Buyer Comment (2026-08-24): PCCD |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225999037 | [Redacted] | [Redacted] | 37345304 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | MD | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225999040 | [Redacted] | [Redacted] | 37075243 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. Sufficient cure was provided at closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999049 | [Redacted] | [Redacted] | 37084906 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Reviewer Comment (2026-08-13): Document [redacted] Reviewer Comment (2026-08-12): Subject Property is using G[Redacted] rents $[redacted]. 1008 also shows negative cash flow of $[redacted], Subject PITIA is $[redacted]. Require 1007 Rent Comparisons Schedule. Exception remains Buyer Comment (2026-08-11): See [redacted]pages [redacted]. In Narrative form. Reviewer Comment (2026-08-04): Final 1003 shows expected monthly rental income of $[redacted]. 1008 also shows negative cash flow of $[redacted], subject PITIA is $[redacted]. Exception remains. Buyer Comment (2026-07-31): Not required. No rental used. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225999050 | [Redacted] | [Redacted] | 37072813 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-08-11): Title Endorsement already in file. Exception Cleared. Buyer Comment (2026-08-07): please see page [redacted] under that document number Reviewer Comment (2026-08-07): As per the response, [redacted]is a Closing Protection Letter, which will not suffice for the exception. Require Title Preliminary or Final Title Policy with a [Redacted]lid policy amount to clear the exception. Buyer Comment (2026-08-06): please see title endorse on [redacted], page [redacted] |
08/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225999050 | [Redacted] | [Redacted] | 37072816 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-08-07): Received Final Settlement Statement. Exception Cleared. Buyer Comment (2026-08-05): fss upld |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225999050 | [Redacted] | [Redacted] | 37072825 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing of $[redacted] is less than cash from borrower $[redacted]. Provide additional asset documentation. IRA documents >[redacted] days of note date. | Reviewer Comment (2026-08-11): The bank statement is within the [redacted]day requirement. Exception Cleared. Buyer Comment (2026-08-10): please clear, exhibit E, page [redacted]of guides allows for age of documentation to be [redacted]days from the note date, not [redacted], statement provided goes through [redacted] Reviewer Comment (2026-08-07): Require recent quarter Bank Statement [redacted]. Exception Remains. Buyer Comment (2026-08-05): please see [redacted] account statement on [redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225999050 | [Redacted] | [Redacted] | 37072827 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-08-11): The bank statement is within the [redacted]day requirement. Exception Cleared. Buyer Comment (2026-08-10): please clear, exhibit E, page [redacted]of guides allows for age of documentation to be [redacted]days from the note date, not [redacted], statement provided goes through [redacted] Reviewer Comment (2026-08-07): Require recent quarter Bank Statement [redacted]. Exception Remains. Buyer Comment (2026-08-05): please see [redacted] account statement on [redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225999054 | [Redacted] | [Redacted] | 37075240 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased by $[redacted]. Lender offered cure of $[redacted] which is insufficient to cover the increase. | Reviewer Comment (2026-08-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-03): See [redacted](Credit report $[redacted]) and [redacted](Credit Report $[redacted]) which shows lender credit on final CD of $[redacted]. LEs don't show cents. $[redacted]-[redacted]= $[redacted]. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999054 | [Redacted] | [Redacted] | 37142293 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225999057 | [Redacted] | [Redacted] | 37075553 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999060 | [Redacted] | [Redacted] | 37076583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Desk Review Fee $[redacted] was not disclosed on Loan Estimate. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-08-13): [redacted] Received COC dated [redacted] along with supporting comments on the exception appraisal order document. Buyer Comment (2026-08-12): Appraisal received [redacted] but needed correction. The UCDP scores were above [redacted]. Reviewer Comment (2026-08-11): [redacted] received supporting document however it is cutoff from bottom and also we are unable to verify why the Appraisal review fee were added on LE dated [redacted] for $[redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-07): Please advise the reason for the increase was provided and this was the initial CD. Reviewer Comment (2026-08-04): [redacted] received rebuttal. However, there is no subsequent COC within [redacted] business days of the change. Kindly provide a [Redacted]lid COC for the fee added on CD dated [redacted] for $[redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-03): See [redacted]and [redacted]. LE redisclosed with appraisal review due to UCDP score above [redacted]when appraisal was completed on [redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | N/A | N/A | Yes | |||||||||
| 225999067 | [Redacted] | [Redacted] | 37076456 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee Amount of $[redacted] exceeds tolerance of $[redacted]. | Reviewer Comment (2026-08-04): [redacted] received [Redacted]lid COC document Buyer Comment (2026-08-03): DTI increased/program change. See [redacted] Lock form and CD [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999452 | [Redacted] | [Redacted] | 37071753 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in the loan file. | Reviewer Comment (2026-08-19): Received Certificate of Good Standing as required. Exception cleared. Seller Comment (2026-08-17): [redacted] Reviewer Comment (2026-08-13): Per guidelines provided for due diligence review, a Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted]days of the note date is required. In additiona, If [redacted] formed in a state other than that were subject property located, a Certificate of Good Standing is needed from both the state of incorporation [redacted] and the state where the subject property is located [redacted]. Please provide acceptable COG for both the state of [redacted] and [redacted]. Seller Comment (2026-08-11): Please review [redacted] approved guidelines - please escalate Reviewer Comment (2026-08-06): Per guides, Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted]days of the note date is required. Please Provide Certificate of Good Standing for the Entity "[redacted]". Exception remains. Seller Comment (2026-08-05): Operating agreement and Guaranty Reviewer Comment (2026-08-03): Per guides, Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted] days of the note date is required. Exception remains Seller Comment (2026-07-31): The LLC was created within [redacted] of closing, so a Cert of Good Standing would not be required. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225999452 | [Redacted] | [Redacted] | 37071754 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | [redacted] Rent Schedule was not found in the loan file. | Reviewer Comment (2026-08-03): [Redacted] used in lieu of 1007. Exception cleared. Seller Comment (2026-07-31): The [Redacted] was included in lieu of 1007 as this is STR; reuploaded for convenience |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225999452 | [Redacted] | [Redacted] | 37080317 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Policy effective date is [redacted], while note date is shown as [redacted]. | Reviewer Comment (2026-08-13): Received evidence from the insurance compa[Redacted] that no claims made. Condition cleared. Reviewer Comment (2026-08-13): Provide previous hazard insurance policy dated [redacted] to cover note date. Exception remains. Seller Comment (2026-08-11): Insurance showing that there were no claims within that day difference of when the policy started. Please clear condition. Reviewer Comment (2026-08-06): Received Hazard Insurance is not for the Subject Property. Please Provided Hazard for the Subject Property with Effective Date occurs within Note Date. Exception Remains. Seller Comment (2026-08-05): please review HOI again as endorsement effective date is [redacted] and Note date is [redacted]. Effective dates reflect [redacted] |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225999818 | [Redacted] | [Redacted] | 37080505 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Bank statement for [redacted] was not found in file. | Reviewer Comment (2026-08-07): Bank statement received. Buyer Comment (2026-08-05): [redacted] stmnt upld |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225999818 | [Redacted] | [Redacted] | 37080506 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Personal not provided | Reviewer Comment (2026-08-07): Bank statement received. Buyer Comment (2026-08-05): [redacted] stmnt upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225999818 | [Redacted] | [Redacted] | 37080777 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Bank statement not provided for [redacted], Account number [redacted]. | Reviewer Comment (2026-08-07): Bank statement received. Buyer Comment (2026-08-05): [redacted] stmnt upld to trl docs |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225999818 | [Redacted] | [Redacted] | 37080779 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Bank statement not provided for [redacted], Account number [redacted]. | Reviewer Comment (2026-08-07): Bank statement received. Buyer Comment (2026-08-05): [redacted] stmnt upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225999818 | [Redacted] | [Redacted] | 37080781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Bank statement not provided for [redacted], Account number [redacted]. | Reviewer Comment (2026-08-07): Bank statement received. Buyer Comment (2026-08-05): [redacted] stmnt upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225999818 | [Redacted] | [Redacted] | 37080786 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | Bank statement not provided for [redacted], Account number [redacted]. | Reviewer Comment (2026-08-07): Bank statement received. |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225999818 | [Redacted] | [Redacted] | 37089480 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for use of comingled personal account without [redacted] months proof the deposits are for the business. CPA letter approved to verify. Lender Exception document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-07): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-05): except aprvl upld |
08/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225999818 | [Redacted] | [Redacted] | 37090785 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] bank statement was not found in the file. | Reviewer Comment (2026-08-07): Bank statement received. Buyer Comment (2026-08-05): [redacted] stmnt upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225999818 | [Redacted] | [Redacted] | 37090786 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased by $[redacted]. No [Redacted]lid Change of Circumstance or Lender Cure was found in the file. | Reviewer Comment (2026-08-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-10): pccd docs upld Reviewer Comment (2026-08-06): [redacted] received rebuttal, however on final CD lender credit is provided no cure provided. If the credit is applied towards cure, we require corrected PCCD updating cure amount on inner column of sec J, detailed LOE and true & certified copy of final settlement statement to re-e[Redacted]luate the exception. Buyer Comment (2026-08-05): please cancel, this was included in the cure of $[redacted]on the [redacted] CD. |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225999818 | [Redacted] | [Redacted] | 37090790 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] bank statement was not found in the file. | Reviewer Comment (2026-08-07): Bank statement received. Buyer Comment (2026-08-05): [redacted] stmnt upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226000225 | [Redacted] | [Redacted] | 37080728 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | Borrower is shown as married and her spouse did not sign the note or the security instrument. Consent form not provided in file. | Reviewer Comment (2026-08-03): Received Interspousal transfer Grant Deed from Borrower spouse. Verified and Exception Cleared. Seller Comment (2026-07-30): This document did not upload correctly with the Interspousal Deed below Seller Comment (2026-07-30): Husband signed the Interspousal Grant Deed and an assignment of the pur[Redacted] contract to wife "our borrower"). Those documents were included in the original credit package. I have attached them for your convenience. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226001273 | [Redacted] | [Redacted] | 37072296 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | PITI $[redacted] (P&I $[redacted], Taxes $[redacted], Flood $[redacted], and Hazard $[redacted]). Rent $[redacted] / $[redacted] = [redacted] DSCR. UW worksheet matches field [Redacted]lue. | Reviewer Comment (2026-08-25): Bid tape updated. Exception cleared. Buyer Comment (2026-08-21): See bid tape Reviewer Comment (2026-08-05): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DSCR [redacted]. Exception Remains. Buyer Comment (2026-08-03): The worksheet [redacted]shows [redacted]. Please advise. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226001398 | [Redacted] | [Redacted] | 37085249 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Reviewer Comment (2026-08-14): Co borrower income from [redacted] not consider as per updated 1003 & 1008. Exception Cleared. Buyer Comment (2026-08-12): No pre note vvoe, removed income and DTI is under [redacted]% per the guidelines for a full doc that meets the requirements. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226001398 | [Redacted] | [Redacted] | 37085258 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-14): Co borrower income from [redacted] not consider as per updated 1003 & 1008. Exception Cleared. Buyer Comment (2026-08-12): waterfall |
08/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226001398 | [Redacted] | [Redacted] | 37085259 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-14): Co borrower income from [redacted] not consider as per updated 1003 & 1008. Exception Cleared. Buyer Comment (2026-08-12): waterfall |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002479 | [Redacted] | [Redacted] | 37085374 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero percent fee tolerance exceeded for appraisal fee. Fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226002479 | [Redacted] | [Redacted] | 37085384 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient. Increases in coverage are required based on existing lien amounts. | Reviewer Comment (2026-09-03): Received email for [redacted]% Replacement Coverage. Exception cleared. Buyer Comment (2026-09-01): Please find the [redacted]% replacement coverage confirmation attached. Please clear condition. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002479 | [Redacted] | [Redacted] | 37085387 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Address:[redacted]: REO HOA verification documents are marked missing. | Reviewer Comment (2026-09-03): Received HOA Verification. Exception cleared. Buyer Comment (2026-09-01): The HOA statement was uploaded to the file, and the HOA amount is reflected on the REO expenses. The $[redacted]breakdown is $[redacted]for property taxes, $[redacted]for HOI, and $[redacted]for HOA. Please clear condition. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002479 | [Redacted] | [Redacted] | 37095970 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. | - | Gap of employment letter was not found in file. | Reviewer Comment (2026-08-13): Gap is within [redacted] month hence no additional explanation required. Exception cleared. Buyer Comment (2026-08-11): Please review the 1003. The clients previous employment is [redacted] which the client started [redacted]. The loan closed [redacted] which is a [redacted]year history. Please clear condition. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002479 | [Redacted] | [Redacted] | 37095971 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Gap of employment letter was not found in file. | Reviewer Comment (2026-08-13): Gap is within [redacted] month hence no additional explanation required. Exception cleared. Buyer Comment (2026-08-11): Waterfall |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002479 | [Redacted] | [Redacted] | 37095985 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Gap of employment letter for co-borrower was not found in file. | Reviewer Comment (2026-08-13): Gap is within [redacted] month hence no additional explanation required. Exception cleared. Buyer Comment (2026-08-11): Waterfall |
08/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226002479 | [Redacted] | [Redacted] | 37095986 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Gap of employment letter for co-borrower was not found in file. | Reviewer Comment (2026-08-13): Gap is within [redacted] month hence no additional explanation required. Exception cleared. Buyer Comment (2026-08-11): Waterfall |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002479 | [Redacted] | [Redacted] | 37095987 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Gap of employment letter for co-borrower was not found in file. | Reviewer Comment (2026-08-13): Gap is within [redacted] month hence no additional explanation required. Exception cleared. Buyer Comment (2026-08-11): Waterfall |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002483 | [Redacted] | [Redacted] | 37085627 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance reflects [Redacted] address as [redacted], instead of [redacted] as per note. | Reviewer Comment (2026-08-04): Updated HOI copy received matching note address. Buyer Comment (2026-07-31): HOI |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002483 | [Redacted] | [Redacted] | 37085631 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard Insurance policy mortgagee clause does not reflect Lender ISAOA. | Reviewer Comment (2026-08-04): Updated HOI copy received confirming mortgagee clause as Lender ISAOA. Buyer Comment (2026-07-31): see uploaded |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002483 | [Redacted] | [Redacted] | 37085635 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement/Closing Disclosure from new loan was not found in file. | Reviewer Comment (2026-07-31): Final Settlement statement of property [redacted] is received. Exception cleared. Buyer Comment (2026-07-30): final settlement statement |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002486 | [Redacted] | [Redacted] | 37085570 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226002502 | [Redacted] | [Redacted] | 37085464 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable condo: insufficient reserves, non-incidental income, and condotel. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower has been employed in the same industry for more than [redacted] years. |
Originator,SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-07-28): Lender Exception with Compensating Factors provided. Downgraded and Waived. |
07/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Pur[Redacted] | B | B | B | B | A | A | A | A | Non QM | N/A | No | ||||||||
| 226002737 | [Redacted] | [Redacted] | 37083771 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement missing in the file. | Reviewer Comment (2026-08-07): Document provided [redacted] Reviewer Comment (2026-08-05): Received Articles of organization. Require operating agreement for the borrowing business entity. Exception remains. Seller Comment (2026-08-03): Operating Agreement attached |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226002737 | [Redacted] | [Redacted] | 37102567 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor agreement is missing from the file. | Reviewer Comment (2026-08-05): Received Guarantor Agreement. Exception cleared. Seller Comment (2026-08-03): Guaranty agreement attached |
08/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226002740 | [Redacted] | [Redacted] | 37119074 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-13): PCCD |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 226002740 | [Redacted] | [Redacted] | 37119091 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in file disclosed $[redacted] of title insurance coverage; however, this is less than the loan amount of $[redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-08-11): Received title commitment & coverage amount updated. Exception cleared. Buyer Comment (2026-08-10): title |
08/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 226002740 | [Redacted] | [Redacted] | 37119099 | Property | [Redacted]luation | [Redacted]luation Issue | [Redacted]luation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Desk Review effective date does not match the Appraisal's effective date. | Reviewer Comment (2026-08-17): Secondary [Redacted]luation received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): CDA |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 226002740 | [Redacted] | [Redacted] | 37124354 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates that there is a lender exception appro[Redacted]l for rolling [redacted] and income however the exception appro[Redacted]l document is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-11): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-11): Lender exception appro[Redacted]l provided for [redacted] rolling [redacted] housing payment delinquency. Buyer Comment (2026-08-10): exception |
08/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||
| 226002740 | [Redacted] | [Redacted] | 37208010 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provded for independent contract income, borrower filed [redacted] extension (pending docs). | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-11): Client elects to downgrade and waive with compensating factors. |
08/11/2026 | Yes | 2 | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||||
| 226002740 | [Redacted] | [Redacted] | 37208069 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for loan is a refinance of a [redacted] scratch and dent loan. New credit was pulled and now SBA loan is reporting on credi as a collection for $[redacted] that is not paid off and wanting to not have to pait or past dues amount. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-11): Client elects to downgrade and waive with compensating factors. |
08/11/2026 | Yes | 2 | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||||
| 226002746 | [Redacted] | [Redacted] | 37090793 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-08-10): Received Verification of employment dated [redacted]. Exception cleared. Buyer Comment (2026-08-07): please see processor cert on [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002746 | [Redacted] | [Redacted] | 37090845 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing VVOE for co-borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-08-10): Received Verification of employment dated [redacted]. Exception cleared. Buyer Comment (2026-08-07): please see processor cert on [redacted] |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226002746 | [Redacted] | [Redacted] | 37090846 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE for co-borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-08-10): Received Verification of employment dated [redacted]. Exception cleared. Buyer Comment (2026-08-07): please see processor cert on [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002746 | [Redacted] | [Redacted] | 37110749 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for co-borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-08-10): Received Verification of employment dated [redacted]. Exception cleared. Buyer Comment (2026-08-07): please see processor cert on [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002746 | [Redacted] | [Redacted] | 37110757 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for co-borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-08-10): Received Verification of employment dated [redacted]. Exception cleared. Buyer Comment (2026-08-07): please see processor cert on [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002747 | [Redacted] | [Redacted] | 37092470 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226002747 | [Redacted] | [Redacted] | 37092471 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226002747 | [Redacted] | [Redacted] | 37092562 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of sufficient cure in file. | Reviewer Comment (2026-08-20): [redacted] received LOE. Buyer Comment (2026-08-18): Rebuttal [redacted] Reviewer Comment (2026-08-11): [redacted] received the LOX as a rebuttal response. However, the last column on the Final CD indicates that the temporary buydown fee was paid by a third party and does not reflect an "L" designation. It appears that the fee was changed from lender-paid to third party-paid without [Redacted]lid reason, this is causing test to indicate that the fee exceeds the applicable tolerance threshold. Please provide a [Redacted]lid COC with supporting documentation evidencing the change in fee or provide a corrected CD and LOX confirming that the fee was paid by the lender. Otherwise, a cure will be due to the borrower. Buyer Comment (2026-08-10): Rebuttal |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226002747 | [Redacted] | [Redacted] | 37092563 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of sufficient cure in file. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-08-06): See [redacted] for the consummation CD that has the cure already at the bottom of [redacted] |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226002747 | [Redacted] | [Redacted] | 37092564 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of sufficient cure in file. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted]days of consummation prior to [redacted] review Buyer Comment (2026-08-06): See [redacted] for the consummation CD that has the cure already at the bottom of [redacted] |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226002748 | [Redacted] | [Redacted] | 37096226 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Based on HOI documentation in file loan is short sufficient coverage by $[redacted]. File did not contain an Insurer's Replacement Cost Estimate. | Reviewer Comment (2026-08-11): Received replacement cost document is verified and associated. Exception cleared. Buyer Comment (2026-08-07): Confirmation of [redacted] replacement cost |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096302 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is missing for [redacted]. | Reviewer Comment (2026-08-14): Received credit report for the Co-borrower and exception Cleared. Buyer Comment (2026-08-13): Credit report |
08/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096311 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-11): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-08-07): eConsent |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096314 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Notes on [redacted] indicate primary residence was being refinanced for funds to close subject transaction; however, there is no new statement or final CD in file for that transaction to confirm the new PITIA. | Reviewer Comment (2026-08-11): Received Closing Disclosure is associated as statement, exception cleared. Buyer Comment (2026-08-07): Primary |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096344 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Credit report is missing for [redacted]. | Reviewer Comment (2026-08-14): Received credit report for the Co-borrower and exception Cleared. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096357 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Notes on [redacted] indicate the primary residence was being refinanced for cash-out to close the subject transaction; however, there is no documentation of the new loan in file to verify the funds received. | Reviewer Comment (2026-08-11): Received Closing Disclosure of other property is captured as a secured loan financing. Exception cleared. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096398 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is that the P&I amount for REO property [Redacted]ries on the final [redacted] and [redacted] documents. | Reviewer Comment (2026-08-14): Received corrected 1008 and Bid tape d[Redacted] field updated as per the documents. Exception Cleared. Reviewer Comment (2026-08-11): Received revised 1008/1003 verified. Bid tape d[Redacted] still needs to be corrected. Exception remains. Buyer Comment (2026-08-07): Updated 1008 / 1003 , requested bid tape correction |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096414 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to the missing credit report for the co-borrower and the missing asset documentation resulting in being short funds to close and reserves. | Reviewer Comment (2026-08-14): Received corrected 1008 with the corrected DTI details. Exception Cleared. |
08/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226002748 | [Redacted] | [Redacted] | 37096415 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing credit report for the co-borrower and the missing asset documentation resulting in being short funds to close and reserves. | Reviewer Comment (2026-08-14): Received corrected 1008 with the corrected DTI details. Exception Cleared. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226002748 | [Redacted] | [Redacted] | 37096419 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Second Home | Pur[Redacted] | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226002748 | [Redacted] | [Redacted] | 37096420 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Second Home | Pur[Redacted] | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226002748 | [Redacted] | [Redacted] | 37096421 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Second Home | Pur[Redacted] | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226002748 | [Redacted] | [Redacted] | 37096431 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Notes on [redacted] indicate the primary residence was being refinanced for cash-out to close the subject transaction; however, there is no documentation of the new loan in file to verify the funds received. | Reviewer Comment (2026-08-11): Received Closing Disclosure of other property is captured as a secured loan financing. Exception cleared. Buyer Comment (2026-08-07): Cash from other file on primary |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002754 | [Redacted] | [Redacted] | 37104669 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The loan file is missing an OFAC search for the business entity. | Reviewer Comment (2026-08-07): Received OFAC search for borrowing entity. Exception cleared. Buyer Comment (2026-08-05): OFAC Reviewer Comment (2026-08-05): Need an OFAC search for the borrowing entity Buyer Comment (2026-08-04): Sanctions List Search |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226003141 | [Redacted] | [Redacted] | 37084983 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not found in file. | Reviewer Comment (2026-07-31): Patriot Act form, cleared Buyer Comment (2026-07-31): Please clarify the type of missing identification needed, the borrower is a [redacted]. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226003141 | [Redacted] | [Redacted] | 37105467 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The loan file is missing an OFAC for the business entity. | Reviewer Comment (2026-07-31): OFAC for the business entity, cleared Buyer Comment (2026-07-31): OFAC Search |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226003231 | [Redacted] | [Redacted] | 37104235 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception noted on [redacted] for waiver of landlord history and <[redacted]% DSCR. | Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-13): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-11): Exception appro[Redacted]l |
08/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 226003247 | [Redacted] | [Redacted] | 37105204 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Loan amount is not reflected on provided corporate resolution document. | Reviewer Comment (2026-08-03): Corporate resolution with loan amount was a[Redacted]ilable at initial review. Exception cleared. Buyer Comment (2026-07-31): Loan amount can be found on Corp Resolution doc: [redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226003247 | [Redacted] | [Redacted] | 37105563 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] reflects lender appro[Redacted]l to use STR projected income analysis and LTV of [redacted]% is max per exception appro[Redacted]l for purpose, loan amount and borrower's FICO of [redacted]. Lender request and appro[Redacted]l documents not provided. | Reviewer Comment (2026-08-04): Received Lender exception. Exception Cleared. Buyer Comment (2026-07-31): Exception Request Dispo |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226003443 | [Redacted] | [Redacted] | 37129988 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-08-11): Statement are within lenders guides. |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 226003443 | [Redacted] | [Redacted] | 37129989 | Property | [Redacted]luation | [Redacted]luation Issue | [Redacted]luation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review effective date is shown as [redacted] while the primary appraisal effective date is [redacted]. | Reviewer Comment (2026-08-10): CU score is [redacted] hence desk review not required. Exception cleared. Buyer Comment (2026-08-06): please provide the guidelines where this is required |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 226003443 | [Redacted] | [Redacted] | 37130013 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer tax fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | C | A | Non QM | Non QM | Yes | |||||||||
| 226003443 | [Redacted] | [Redacted] | 37130014 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL [Redacted]riable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM Disclosure is dated [redacted], while application date is [redacted]. | Reviewer Comment (2026-08-10): Loan product changed to arm from fixed on [redacted]. Exception cleared. Buyer Comment (2026-08-06): The initial LE has the program as a fixed product and the product was changed to an arm on [redacted] so thats when the disclosure was sent out |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||
| 226003443 | [Redacted] | [Redacted] | 37130015 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL [Redacted]riable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. | CHARM Booklet is dated [redacted], while application date is [redacted]. | Reviewer Comment (2026-08-10): Loan product changed to arm from fixed on [redacted]. Exception cleared. Buyer Comment (2026-08-06): The initial LE has the program as a fixed product and the product was changed to an arm on [redacted] so thats when the disclosure was sent out |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||
| 226003443 | [Redacted] | [Redacted] | 37136729 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Bank statements provided for asset depletion are not dated within [redacted] of note date. | Reviewer Comment (2026-08-11): Loan is NonQM Reviewer Comment (2026-08-11): [redacted] bank statement required to clear this ATR exception. Exception remains. Buyer Comment (2026-08-10): Only [redacted]statement needs to be within [redacted] of the note which [redacted] statement is. It is impossible to have all [redacted]months of statement to be within [redacted]day as [redacted] is only [redacted] months... Reviewer Comment (2026-08-10): Assets used for asset depletion income are dated from [redacted] which are not dated within [redacted] of the note date. Exception remains. Buyer Comment (2026-08-06): Please see [redacted] for all the statements |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | C | A | Non QM | Non QM | Yes | |||||||||
| 226003443 | [Redacted] | [Redacted] | 37136730 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank [redacted]): Unable to verity asset depletion income due to, bank statement provided was dated more than [redacted] days prior to closing. | Bank statements provided for asset depletion are not dated within [redacted] of note date. | Reviewer Comment (2026-08-11): Statements are within lenders guides Reviewer Comment (2026-08-11): [redacted] bank statement required to clear this ATR exception. Exception remains. Buyer Comment (2026-08-10): Only [redacted]statement needs to be within [redacted] of the note which [redacted] statement is. It is impossible to have all [redacted]months of statement to be within [redacted]day as [redacted] is only [redacted] months... Reviewer Comment (2026-08-10): Assets used for asset depletion income are dated from [redacted] which are not dated within [redacted] of the note date. Exception remains. Buyer Comment (2026-08-06): Please see [redacted] for all the statements |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| 226003443 | [Redacted] | [Redacted] | 37136732 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Bank statements provided for asset depletion are not dated within [redacted] of note date. | Reviewer Comment (2026-08-11): Statements are within lenders guides |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| 226003443 | [Redacted] | [Redacted] | 37136757 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Bank statements provided for asset depletion are not dated within [redacted] of note date. | Reviewer Comment (2026-08-11): Statements are within lenders guides Reviewer Comment (2026-08-11): [redacted] bank statement required to clear this ATR exception. Exception remains. Buyer Comment (2026-08-10): Only [redacted]statement needs to be within [redacted] of the note which [redacted] statement is. It is impossible to have all [redacted]months of statement to be within [redacted]day as [redacted] is only [redacted] months... Reviewer Comment (2026-08-10): Assets used for asset depletion income are dated from [redacted] which are not dated within [redacted] of the note date. Exception remains. Buyer Comment (2026-08-06): Please see [redacted] for all the statements |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 226003443 | [Redacted] | [Redacted] | 37136761 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Bank statements provided for asset depletion are not dated within [redacted] of note date. | Reviewer Comment (2026-08-11): [redacted]statement provided Reviewer Comment (2026-08-11): [redacted] bank statement required to clear this ATR exception. Exception remains. Reviewer Comment (2026-08-10): Assets used for asset depletion income are dated from [redacted] which are not dated within [redacted] of the note date. Exception remains. Buyer Comment (2026-08-06): Please see [redacted] for all the statements |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| 226003443 | [Redacted] | [Redacted] | 37137025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation: Bank statements provided for asset depletion are not dated within [redacted] of note date. | Reviewer Comment (2026-08-11): Statement within lenders guides Reviewer Comment (2026-08-11): [redacted] bank statement required to clear this ATR exception. Exception remains. Buyer Comment (2026-08-10): Only [redacted]statement needs to be within [redacted] of the note which [redacted] statement is. It is impossible to have all [redacted]months of statement to be within [redacted]day as [redacted] is only [redacted] months... Reviewer Comment (2026-08-10): Assets used for asset depletion income are dated from [redacted] which are not dated within [redacted] of the note date. Exception remains. Buyer Comment (2026-08-06): Please see [redacted] for all the statements |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| 226003443 | [Redacted] | [Redacted] | 37217229 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | LTV discrepancy | Reviewer Comment (2026-08-24): Received updated 1008 document with the updated appraised [Redacted]lue which is matching with the appraisal present in the file. Exception Cleared. Buyer Comment (2026-08-20): 1008 Reviewer Comment (2026-08-14): Exception remains. Appraised [Redacted]lue used of LTV $[redacted]Original pur[Redacted] price not provided as this is a refi Buyer Comment (2026-08-12): [redacted] is using original pur[Redacted] price of subject property. Per guideline: "For cash out refinances where the property is owned less than[redacted] as of the application date, lesser of pur[Redacted] price or appraised [Redacted]lue must be utilized." |
08/24/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||||||
| 226004245 | [Redacted] | [Redacted] | 37100596 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI difference due to lender used primary PITI $[redacted] as investment property PITI and Primary PITI $[redacted] as investment PITI and resulted in the DTI difference. | Reviewer Comment (2026-08-17): Corrected 1008 and 1003 received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): Corrected 1008/1003 ... reviewer is using [redacted] of subject PITI in negative cashflow but there are rents being used that offset that. $[redacted] Reviewer Comment (2026-08-10): As per mortgage statement primary PITI reflecting $[redacted]and Investment PITI reflecting $[redacted] and lender used to qualify primary PITI $[redacted]and investment PITI $[redacted]due to which resulted DTI difference. Exception remains. Buyer Comment (2026-08-06): Disregard last 1008, this is the correct one Buyer Comment (2026-08-06): Your calculation is not applying the [redacted]% of rents used in qualifying on subject . Portal shows a negative of $ [redacted]when it should be negative $[redacted]. &[redacted]% of $[redacted]rents used to qualify. Also the portal is showing $[redacted]for the primary but that should be $[redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 226004245 | [Redacted] | [Redacted] | 37100598 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. [redacted]:[redacted]0B-[redacted]. | Buyer Comment (2026-09-02): Ok to waive Reviewer Comment (2026-09-01): Understood, but because the business entity is not a corporation, an EV2 will populate. Lender may waive. Reviewer Comment (2026-08-31): Note re-executed with appropriate parties. Exception regraded to an EV2-B. Buyer Comment (2026-08-27): Original Note with wet signature is on the way |
09/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Pur[Redacted] | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 226004276 | [Redacted] | [Redacted] | 37099644 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-07): Received CDA is verified and captured as secondary [Redacted]luation. Exception cleared. Buyer Comment (2026-08-06): CDA |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Pur[Redacted] | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226004276 | [Redacted] | [Redacted] | 37099695 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien pur[Redacted] transaction did not disclose a[Redacted] Seller paid fees/charges on page [redacted]. | Seller paid fees not stated in Final Closing disclosure. | Reviewer Comment (2026-08-11): [redacted] received seller CD Buyer Comment (2026-08-10): Sellers CD Reviewer Comment (2026-08-07): [redacted] received Buyer ALTA settlement statement, and it does not include the seller paid closing costs to [Redacted]lidate the exception. Provide Seller CD with seller paid closing costs in order to ree[Redacted]luate and re-baseline this exception. Buyer Comment (2026-08-06): Sellers CD |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226004405 | [Redacted] | [Redacted] | 37104358 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception noted on [redacted] for subject superior to primary and waiver of landlord history. Lender exception request and appro[Redacted]l documents missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to [Redacted]lue: [redacted]% Guideline Maximum Combined Loan to [Redacted]lue: [redacted]% Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-10): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-06): EXCEPTION APPRO[Redacted]L |
08/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 226004591 | [Redacted] | [Redacted] | 37105024 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided E-sign consent document. | Reviewer Comment (2026-08-05): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-08-03): Compliance Report |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226004767 | [Redacted] | [Redacted] | 37085619 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]4D/[redacted] was not provided. | - | Appraisal report reflects property condition as subject to completion. Final inspection [redacted]4D/[redacted] is missing in the file. | Reviewer Comment (2026-08-20): 1004D, cleared Buyer Comment (2026-08-20): 1004D Reviewer Comment (2026-08-10): Please Provide Final inspection 1004D/442 to verify the Completion of Appraisal. Exception Remains. Buyer Comment (2026-08-06): Please advise if borrower photos will be acceptable. as this is just subject to landscaping and irrigation. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Pur[Redacted] | C | A | A | A | C | A | N/A | No | |||||||||||||
| 226005586 | [Redacted] | [Redacted] | 37098826 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Missing Final HUD/Closing Disclosure in the loan file. | Reviewer Comment (2026-08-07): Received the Combined Final Closing Statement. Exception cleared. Buyer Comment (2026-08-05): Closing Statement Reviewer Comment (2026-08-05): Provided closing statement is estimated. Required final closing statement. Exception remains. Buyer Comment (2026-08-03): Final Settlement Statement |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226005599 | [Redacted] | [Redacted] | 37105910 | Credit | Property - Appraisal | [Redacted] Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | The Appraisal disclosed that property was listed for sale within the last [redacted] months. Please provide a letter of explanation disclosing the reason the property was listed. | Reviewer Comment (2026-08-07): The borrower pur[Redacted]d the subject property on [redacted]. A review of the current listing history indicates the property's status is now Off Market. Exception cleared. Buyer Comment (2026-08-06): rebuttal & bwr loe upld |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||
| 226005599 | [Redacted] | [Redacted] | 37105926 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | A[Redacted]ilable Note - Subject Lien is not signed and dated. | Reviewer Comment (2026-08-07): Received the fully executed Note document. Exception cleared. Buyer Comment (2026-08-06): note upld |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226005599 | [Redacted] | [Redacted] | 37105927 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | A[Redacted]ilable Note Addendum - Prepayment is not signed and dated. | Reviewer Comment (2026-08-07): Received the fully executed Note Addendum - Prepayment document. Exception cleared. Buyer Comment (2026-08-06): adden upld |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | Yes | ||||||||||||||
| 226005644 | [Redacted] | [Redacted] | 37108437 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Lender Credits. The final Lender Credit of $[redacted] exceeds the tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-05): [redacted] Received [Redacted]lid COC dated [redacted]. Buyer Comment (2026-08-04): Rate lowered. See Lock, COC and [redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226005677 | [Redacted] | [Redacted] | 37108458 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]. | Reviewer Comment (2026-08-19): Additional assets were provided, and the cash-to-close requirement has been satisfied. Exception cleared. Buyer Comment (2026-08-18): additional assets Reviewer Comment (2026-08-12): Asset calculation used the [redacted] ending balance of $[redacted], but the most recent statement ([redacted]) for the same account shows an ending balance of $[redacted]. A[Redacted]ilable funds are insufficient to cover cash to close. Exception remains. Buyer Comment (2026-08-10): Cash to close is [redacted]. Which is plenty of assets. The B[redacted] was not added which is causing the shortage Reviewer Comment (2026-08-05): [redacted] bank statement account #[redacted]with balance $[redacted]as per the latest statement dated from [redacted] is already included in assets. Exception remains. Buyer Comment (2026-08-03): Please add in the [redacted] account which is not included in your assets. [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| 226005677 | [Redacted] | [Redacted] | 37108661 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-08-19): Additional assets were provided, and the cash-to-close requirement has been satisfied. Exception cleared. Buyer Comment (2026-08-18): see uploaded Reviewer Comment (2026-08-12): Asset calculation used the [redacted] ending balance of $[redacted], but the most recent statement ([redacted]) for the same account shows an ending balance of $[redacted]. A[Redacted]ilable funds are insufficient to cover cash to close. Exception remains. Buyer Comment (2026-08-10): Cash to close is [redacted]. Which is plenty of assets. The B[redacted] was not added which is causing the shortage Reviewer Comment (2026-08-05): [redacted] bank statement account #[redacted]with balance $[redacted]as per the latest statement dated from [redacted] is already included in assets. Exception remains. Buyer Comment (2026-08-03): Please add in the [redacted] account which is not included in your assets. [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| 226006435 | [Redacted] | [Redacted] | 37102116 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted], #[redacted], #[redacted], #[redacted], #[redacted] and #[redacted] reflects judgments and liens with outstanding balances in the amount of $tbd. HUD [redacted] does not reflect payoff of judgments, lien and municipal liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-25): Received email confirmation from Title compa[Redacted] confirming there are no liens opens. Exception Cleared. Buyer Comment (2026-08-24): please see email from title confirming no liens will be on the final title policy and supporting docs Reviewer Comment (2026-08-11): No new document received. Judgment [redacted] is pertaining to bankruptcy, [redacted] is pending per notice of Lis pendens ([redacted]). For [redacted] evidence of release or final title policy without additional liens or judgment is required. Exception remains. Buyer Comment (2026-08-10): please see executed Affidavit of Title doc [redacted] stating no pending lawsuits\judgements against property. Judgement lien docs are [redacted] and doc [redacted] will be omitted from Final Title Policy |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226006435 | [Redacted] | [Redacted] | 37102201 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Provide evidence child support has been released and will have no negative impact on title. | Reviewer Comment (2026-08-25): Received email confirmation from Title compa[Redacted] confirming there are no child support and judgments are open. Exception Cleared. Buyer Comment (2026-08-24): please see email from title confirming no liens will be on the final title policy and supporting docs Reviewer Comment (2026-08-11): No new document received for Child support release. Exception remains. Buyer Comment (2026-08-10): please see executed Affidavit of Title doc [redacted] stating no pending lawsuits\judgements against property. Judgement lien docs are [redacted] and doc [redacted] will be omitted from Final Title Policy |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226006448 | [Redacted] | [Redacted] | 37114324 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final CD from the [redacted], HOA Verification, Insurance Verification was not found in file. | Reviewer Comment (2026-08-10): Reo documents details updated from a[Redacted]ilable document. Exception cleared. Buyer Comment (2026-08-06): See [redacted], [redacted], [redacted]and [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226006448 | [Redacted] | [Redacted] | 37117518 | Credit | Guideline | Guideline Issue | Guideline | The subject property closed as investment property, non-warrantable condo with a LTV > [redacted]%, which is not permitted by guides. | LTV: ___ | Lender exception in file for non warrantable condo due to insufficient wind coverage insurance on project. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-31): Client elects to waive with compensating factors. |
07/31/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 226014362 | [Redacted] | [Redacted] | 37098875 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-17): Received final Title policy. Exception cleared. |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226014362 | [Redacted] | [Redacted] | 37098876 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. | Reviewer Comment (2026-08-17): Received final Title policy with policy [redacted]. Exception cleared. Buyer Comment (2026-08-13): Title policy |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226014362 | [Redacted] | [Redacted] | 37098877 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | [redacted] outstanding judgments in the amount of $[redacted] and $[redacted]. | Reviewer Comment (2026-08-17): Received final title clear of all liens. Exception cleared Buyer Comment (2026-08-13): See title report |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226022398 | [Redacted] | [Redacted] | 37111566 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A [Redacted]lid change of circumstance not provided for fee increase. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-06): See [redacted] page [redacted] for consummation CD, the cure is already there on page[redacted] at the bottom |
08/10/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226022398 | [Redacted] | [Redacted] | 37111567 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A [Redacted]lid change of circumstance not provided for fee increase. | Reviewer Comment (2026-08-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-11): PCCD with cure, sent out today |
08/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226030857 | [Redacted] | [Redacted] | 37108337 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure missing in this loan file. | Reviewer Comment (2026-08-12): Final settlement statement, cleared Buyer Comment (2026-08-11): Please see attached. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226030857 | [Redacted] | [Redacted] | 37108342 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Rider [redacted] Family in file was not executed. | Reviewer Comment (2026-08-12): Rider - 1-4 Family, cleared Buyer Comment (2026-08-11): Please see attached. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226030857 | [Redacted] | [Redacted] | 37108350 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien provided was not signed or dated. | Reviewer Comment (2026-08-12): Security Instrument - Subject Lien, cleared Buyer Comment (2026-08-11): Please see attached. |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226031698 | [Redacted] | [Redacted] | 37117184 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226032713 | [Redacted] | [Redacted] | 37118270 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Required total assets $[redacted]; however, verified only $[redacted]. Required additional assets. Final Cd from the proceeds from the secured loan was not provided. | Reviewer Comment (2026-08-25): Proceeds From Secured Loan of amount [redacted] added in assets, Exception Cleared. Buyer Comment (2026-08-24): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226032713 | [Redacted] | [Redacted] | 37118271 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Required total assets $[redacted]; however, verified only $[redacted]. Required additional assets. | Reviewer Comment (2026-08-25): Proceeds From Secured Loan of amount [redacted] added in assets, Exception Cleared. Buyer Comment (2026-08-24): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226032713 | [Redacted] | [Redacted] | 37122066 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing a third party verification for the borrower's business dated within [redacted] days prior to closing supporting the borrower's dates of operation and good standing. | Reviewer Comment (2026-08-25): Third Party Verification associated, Exception Cleared. Buyer Comment (2026-08-24): Please see attached. This was uploaded to our site on [redacted]. Please clear condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226032713 | [Redacted] | [Redacted] | 37122148 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Failure due to missing dated third party verification. | Reviewer Comment (2026-08-25): Closing Disclosure associated for P&I, Exception Cleared. Buyer Comment (2026-08-24): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226032713 | [Redacted] | [Redacted] | 37122166 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the final CD from the proceeds of the refinance. | Reviewer Comment (2026-08-25): Closing Disclosure associated for P&I, Exception Cleared. Buyer Comment (2026-08-24): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226033420 | [Redacted] | [Redacted] | 37159338 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Foreign national minimum reserve required is [redacted] months per guideline and due to DSCR is less than [redacted] an additional [redacted] months is required. Total is [redacted] months and current asset is short by [redacted] months. Please provide additional [redacted] most recent consecutive months of assets. Additional requirements may apply. | Reviewer Comment (2026-09-03): Received lender exception appro[Redacted]l for [redacted] months in reserves. Cleared. Buyer Comment (2026-09-01): Please see attached exception allowing [redacted] months reserves. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226033420 | [Redacted] | [Redacted] | 37454634 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l for [redacted] months assets for foreign national with DSCR <[redacted]%. | Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. Miscellaneous |
Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Borrower has savings history and put [redacted]% down. |
Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-09-03): Client elects to waive with compensating factors. |
09/03/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226033429 | [Redacted] | [Redacted] | 37119431 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of d[Redacted] related to Occupancy. | - | Subject transaction is pur[Redacted] of second home, and the final [redacted] declaration section incorrectly disclosed intent to occupy as Yes. | Reviewer Comment (2026-08-11): Received revised 1003. Exception cleared. Buyer Comment (2026-08-07): revised 1003 upld |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033429 | [Redacted] | [Redacted] | 37119457 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrower FICO score of [redacted] is less than guideline required FICO score of [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-11): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-07): exception aprvl upld |
08/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 226033433 | [Redacted] | [Redacted] | 37124216 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226033436 | [Redacted] | [Redacted] | 37120495 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure missing in Loan File. | Reviewer Comment (2026-08-07): Received the Final Refinance Statement. Exception cleared. Buyer Comment (2026-08-05): FSS |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226033436 | [Redacted] | [Redacted] | 37289419 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - PPP | Reviewer Comment (2026-08-21): Re[Redacted]lidated PPP term and updated. Exception cleared. Buyer Comment (2026-08-20): [redacted] respectfully disagrees with [redacted] PPP Designation. Please review PPP rider ([redacted]) and update [redacted] tape |
08/21/2026 | No | 1 | A | A | A | A | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 226033443 | [Redacted] | [Redacted] | 37114004 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | Lender exception provided for: Borrower does not have [redacted] months of history as landlord. This is the first investment property for borrower. Compensating factors include FICO [redacted] points or more above requirement, debt [redacted]% under, reserves [redacted]+ months more, >[redacted] years homeownership, and minimal consumer debt. Underwriter request and appro[Redacted]l forms provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-31): Client elects to downgrade and waive. |
07/31/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 226033443 | [Redacted] | [Redacted] | 37114251 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects State tax lien with outstanding balance in the amount of $[redacted]. HUD-[redacted] does not reflect the payoff of state tax liens. Please provide evidence the liens have been released, paid, and will not have a negative impact on the final title policy. | Reviewer Comment (2026-08-13): Updated document provided [redacted] Buyer Comment (2026-08-11): Title |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226033444 | [Redacted] | [Redacted] | 37117831 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Diligence DSCR: [redacted] however the bid tape is Bid Tape DSCR: [redacted]. The verified PITIA is $[redacted] however the UW worksheet reflects $[redacted]. | Reviewer Comment (2026-08-07): Received updated DSCR Worksheet, re[Redacted]lidated information. Exception Cleared. Buyer Comment (2026-08-05): Please advise of how you came up with [redacted]. See worksheet and advise of the discrepancy |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226033446 | [Redacted] | [Redacted] | 37224366 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient asset reserves to meet guideline requirement. The issue is the source of funds for the $[redacted]K EMD was not located in the file. Documentation showing the funds cleared the borrower's account is required. | Reviewer Comment (2026-08-25): Earnest money source document is already in file, Exception cleared. Buyer Comment (2026-08-24): please see docs on [redacted], [redacted], [redacted]and [redacted]that source the emd. |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226033446 | [Redacted] | [Redacted] | 37224368 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan designation discrepancy due to insufficient asset reserves to meet guideline requirement. The issue is the source of funds for the $[redacted]K EMD was not located in the file. Documentation showing the funds cleared the borrower's account is required. | Reviewer Comment (2026-08-25): Earnest money source document is already in file, Exception cleared. Buyer Comment (2026-08-24): please see docs on [redacted], [redacted], [redacted]and [redacted]that source the emd. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033446 | [Redacted] | [Redacted] | 37225632 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated A[Redacted]ilable for Reserves of $[redacted] is less than Guideline A[Redacted]ilable for Reserves of $[redacted] or [redacted] months PITIA. | Reviewer Comment (2026-08-25): Earnest money source document is already in file, Exception cleared. Buyer Comment (2026-08-24): please see docs on [redacted], [redacted], [redacted]and [redacted]that source the emd. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033446 | [Redacted] | [Redacted] | 37231920 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Failure due to missing source of funds for the $[redacted]k EMD | Reviewer Comment (2026-08-25): Earnest money source document is already in file, Exception cleared. Buyer Comment (2026-08-24): please see docs on [redacted], [redacted], [redacted]and [redacted]that source the emd. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033446 | [Redacted] | [Redacted] | 37231928 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Failure due to missing source of funds for the EMD | Reviewer Comment (2026-08-25): Earnest money source document is already in file, Exception cleared. Buyer Comment (2026-08-24): please see docs on [redacted], [redacted], [redacted]and [redacted]that source the emd. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033447 | [Redacted] | [Redacted] | 37117936 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty document is missing in the loan file. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
Borrower has owned the subject property for at least [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Provided Buyer Comment (2026-08-19): [redacted] is the condo appro[Redacted]l |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 226033447 | [Redacted] | [Redacted] | 37125074 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for a for landlord history waiver | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
Borrower has owned the subject property for at least [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-19): exception |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226033557 | [Redacted] | [Redacted] | 37125607 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pur[Redacted] Agreement / Sales Contract not provided | Pur[Redacted] Agreement / Sales Contract missing in file. | Reviewer Comment (2026-08-20): document provided Buyer Comment (2026-08-19): Please see attached. |
08/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Pur[Redacted] | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033557 | [Redacted] | [Redacted] | 37125645 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points disclosed on initial LE as $[redacted], and then as $[redacted]. on final CD. No [Redacted]lid change of circumstance or cure for borrower provided. | Reviewer Comment (2026-08-26): [redacted] received updated LE and [Redacted]lid changed circumstance. Buyer Comment (2026-08-24): Please see requested coc Reviewer Comment (2026-08-20): [redacted] received rebuttal comment. However, [redacted] LE only located in file. Provide [redacted] LE for testing. Buyer Comment (2026-08-19): Please review the [redacted] Loan Estimate (LE). At that time, the client elected to increase the interest rate in order to reduce the amount of discount points. The final discount point amount reflects the rate being locked based on the client's updated pricing selection. Therefore, the change in discount points was the result of the client's requested rate change and the corresponding locked rate. Please review the [redacted] LE and supporting documentation and clear this condition. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226033557 | [Redacted] | [Redacted] | 37129487 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates that there is a lender exception appro[Redacted]l to allow EAD card with [redacted] category however the appro[Redacted]l document is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-19): Please see attached. |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Pur[Redacted] | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226033568 | [Redacted] | [Redacted] | 37125591 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-05): Received the Acknowledgement of Appraisal Information. [Redacted]luation delivered on [redacted]. Exception cleared. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033568 | [Redacted] | [Redacted] | 37125592 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of [Redacted]luation dated [redacted] to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-08-05): Received the Acknowledgement of Appraisal Information. [Redacted]luation delivered on [redacted]. Exception cleared. Seller Comment (2026-08-04): Acknowledgement on [redacted]. Appraisal completed on [redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033568 | [Redacted] | [Redacted] | 37128921 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Both Borrowers signed [redacted] but notary signed [redacted] | Reviewer Comment (2026-08-19): Signed affidavit with the corrected signature date has been received. Exception cleared. Seller Comment (2026-08-17): Signed Affidavit Reviewer Comment (2026-08-05): The security instrument received pertains to a different property. Please provide the security instrument for the subject property located at [redacted]. Exception remains. Seller Comment (2026-08-04): Mortgage on files was executed on [redacted] by borrower and notary Seller Comment (2026-08-04): Incorrect mortgage uploaded. Please send condition back Seller Comment (2026-08-04): Borrowers accidentally entered the incorrect date on the mortgage. What would be required to fix this? |
08/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033568 | [Redacted] | [Redacted] | 37128931 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need mortgage statement for [redacted] | Reviewer Comment (2026-08-05): Received the Closing Disclosure, Note, and First Payment Letter for the second mortgage. Exception cleared. Seller Comment (2026-08-04): Second mortgage docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033570 | [Redacted] | [Redacted] | 37117921 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure document missing in loan file. | Reviewer Comment (2026-08-11): Received final HUD-1 statement. Exception cleared. Buyer Comment (2026-08-10): Signed HUD Buyer Comment (2026-08-07): There's no signature line as this doesn't require a signature. Reviewer Comment (2026-08-07): Provided HUD-1 document is not signed and dated. Please submit a fully executed HUD-1 with all required signatures and dates. Exception remains. Buyer Comment (2026-08-05): See [redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226033571 | [Redacted] | [Redacted] | 37124788 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on initial LE, but $[redacted] was disclosed on Closing Disclosure. Sufficient cure was not provided in the file. | Reviewer Comment (2026-08-11): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-10): Cure Docs |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226033577 | [Redacted] | [Redacted] | 37117622 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-08-07): Final closing statement, cleared Buyer Comment (2026-08-07): FSS |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226033577 | [Redacted] | [Redacted] | 37124747 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Lender requested an exception, which was approved, for the borrower to have [redacted]% of her own funds, as the LTV is [redacted]%. | The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Combined Loan to [Redacted]lue: [redacted]% Guideline Maximum Combined Loan to [Redacted]lue: [redacted]% Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-07-31): Client elects to waive with compensating factors. |
07/31/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OR | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||
| 226033606 | [Redacted] | [Redacted] | 37131621 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy document was not found in file. | Reviewer Comment (2026-08-10): Received Hazard insurance policy document. Exception Cleared. Buyer Comment (2026-08-06): HOI |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033606 | [Redacted] | [Redacted] | 37131623 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-10): Received E-Consent document. Exception Cleared. Buyer Comment (2026-08-06): E-consent |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033655 | [Redacted] | [Redacted] | 37131631 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not provided. | Reviewer Comment (2026-08-10): E-Sign consent Agreement received and verified. Exception cleared Buyer Comment (2026-08-07): eConsent |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226033655 | [Redacted] | [Redacted] | 37136911 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-08-10): Hazard Insurance document received and verified. Exception cleared Buyer Comment (2026-08-07): Property docs |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226033655 | [Redacted] | [Redacted] | 37136915 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-08-10): Mortgage Statement received and verified. Exception cleared. Buyer Comment (2026-08-07): Statement |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226033655 | [Redacted] | [Redacted] | 37136916 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-08-10): This is a Commercial Property is Free and clear and received Property history report. Exception cleared. Buyer Comment (2026-08-07): Commercial property , owned free and clear , no insurance required |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226033655 | [Redacted] | [Redacted] | 37189322 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Required source documents for the missing $[redacted] or updated [redacted] and [redacted] is required. | Reviewer Comment (2026-08-14): Received taxes and insurance verification document. Exception cleared. Buyer Comment (2026-08-13): Taxes and insurance |
08/14/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 226033666 | [Redacted] | [Redacted] | 37118605 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of non-U.S. citizen status was not provided. | Reviewer Comment (2026-08-11): Received evidence of secured funds. Exception Cleared Buyer Comment (2026-08-10): ead cards upld for both bwrs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226033666 | [Redacted] | [Redacted] | 37118681 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Provide bank statement to cover reserve requirements as per guidelines. The provided asset reserves were insufficient. | Reviewer Comment (2026-08-11): Received evidence of secured funds. Exception Cleared Buyer Comment (2026-08-10): final ss for cash out refi on [redacted], secured funds were used for this transaction |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226033666 | [Redacted] | [Redacted] | 37123654 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide additional most recent [redacted] consecutive months of bank statements to source reserve rquirement and closing funds. | Reviewer Comment (2026-08-11): Received evidence of secured funds. Exception Cleared. Buyer Comment (2026-08-10): final ss for cash out refi on [redacted] to trl docs, secured funds were used for this transaction |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226033666 | [Redacted] | [Redacted] | 37125281 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Page [redacted] of the Security instrument is missing. | Reviewer Comment (2026-08-11): Received all pages of the Security Instrument. Exception Cleared Buyer Comment (2026-08-10): all pages of mtg upld |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226035291 | [Redacted] | [Redacted] | 37132915 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226035293 | [Redacted] | [Redacted] | 37132773 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | [Redacted]riance in DTI due to all REO expenses is $[redacted] as per [redacted], which does not match [redacted]. | Reviewer Comment (2026-09-01): Updated 1003 and 1008 received. Along with bid tape request has been updated. Exception cleared Buyer Comment (2026-08-28): Bid date updated. Reviewer Comment (2026-08-14): Received revised 1003 and 1008 with corrected REO expenses matching the verified REO expenses. However, the Bid Tape DTI remains at [redacted] and should be updated to the revised 1008 DTI of [redacted]. Exception remains. Buyer Comment (2026-08-13): 1003 and 1008 Reviewer Comment (2026-08-11): Rental expense of property [redacted] HOA however 1008 consider total expenses of [redacted] due to which DTI is exceeding the limit, Exception remains. Buyer Comment (2026-08-10): Please advise what your negative cash flow consists of. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226035293 | [Redacted] | [Redacted] | 37132781 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception request for Non-warrantable Condotel, Non-incidental Income, and Outstanding Critical Repairs. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-03): Lender Exception with Compensating Factors provided. |
08/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226036278 | [Redacted] | [Redacted] | 37139166 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided sufficient cure at closing. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036278 | [Redacted] | [Redacted] | 37139167 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided sufficient cure at closing. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036282 | [Redacted] | [Redacted] | 37141161 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036292 | [Redacted] | [Redacted] | 37203432 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: DSCR | Reviewer Comment (2026-08-12): The lessor amount used from lease agreement for calculation [redacted] -Exception Cleared Buyer Comment (2026-08-11): [redacted] respectfully disagrees with [redacted] using reater of actual & market rents. [redacted] best practice stance is to use the lessor of actual & market rents. Please review DSCR calculator & 1007 from appraisal [redacted] Buyer Comment (2026-08-11): 1007, DSCR recalc |
08/12/2026 | No | 1 | A | A | A | A | A | PA | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226036311 | [Redacted] | [Redacted] | 37142253 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | RTC expected expiration date not provided. | Reviewer Comment (2026-08-06): Received completed and fully executed Right to Cancel (RTC) document with all required information. Exception cleared. Seller Comment (2026-08-05): RtoC with exp date Seller Comment (2026-08-05): Right to Cancel with exp date [redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036311 | [Redacted] | [Redacted] | 37142257 | Compliance | Missing Document | [Redacted] | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete | Right to Cancel Expiration Date not provided. | Reviewer Comment (2026-08-06): Received completed and fully executed Right to Cancel (RTC) document with all required information. Exception cleared. Seller Comment (2026-08-05): Right of Recission is uploaded. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036465 | [Redacted] | [Redacted] | 37142796 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. | Reviewer Comment (2026-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-19): Please see final CD showing a Lender Credit for [redacted]for this violation. ($[redacted]difference due to rounding) |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226036465 | [Redacted] | [Redacted] | 37142799 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Self Employed Tax Returns - Extension was found in the file for the [redacted] tax period. | Buyer Comment (2026-08-19): waived per Auto Approve list |
08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226036465 | [Redacted] | [Redacted] | 37294549 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226036472 | [Redacted] | [Redacted] | 37212692 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [redacted] month bank statement for account number [redacted] to calculate income. | Reviewer Comment (2026-08-25): Received business bank statement is verified and associated, exception cleared. Buyer Comment (2026-08-21): [redacted] statement |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036472 | [Redacted] | [Redacted] | 37212706 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Reviewer Comment (2026-08-25): Received business bank statement is verified and associated, exception cleared. Buyer Comment (2026-08-21): see uploaded |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226036472 | [Redacted] | [Redacted] | 37212968 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] month bank statement for account number [redacted] to calculate income. | Reviewer Comment (2026-08-25): Received business bank statement is verified and associated, exception cleared. Buyer Comment (2026-08-21): see uploaded |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NM | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036472 | [Redacted] | [Redacted] | 37212969 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted] month bank statement for account number [redacted] to calculate income. | Reviewer Comment (2026-08-25): Received business bank statement is verified and associated, exception cleared. Buyer Comment (2026-08-21): see uploaded |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036472 | [Redacted] | [Redacted] | 37212972 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-08-12): Sufficient Cure Provided At Closing |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036472 | [Redacted] | [Redacted] | 37212973 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-08-12): Sufficient Cure Provided At Closing |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036796 | [Redacted] | [Redacted] | 37143153 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Bank statement with sufficient funds is required to meet [redacted] months' reserves requirement. | Reviewer Comment (2026-08-11): Received Borrower [redacted] Months Bank Statements with funds along with revised 1003 and 1008, information [Redacted]lidated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-07): 1003, 1008, bank statements |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036796 | [Redacted] | [Redacted] | 37143154 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Bank statement with sufficient funds is required to meet [redacted] months' reserves requirement. | Reviewer Comment (2026-08-11): Received Borrower [redacted] Months Bank Statements with funds along with revised 1003 and 1008, information [Redacted]lidated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-07): see uploaded |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036796 | [Redacted] | [Redacted] | 37143173 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted] is less than the note amount of $[redacted]. | Reviewer Comment (2026-08-12): Received revised Title Commitment with sufficient title policy coverage amount. Exception cleared. Buyer Comment (2026-08-11): revised title |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036796 | [Redacted] | [Redacted] | 37143181 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-Sign consent is reflecting pending status. | Reviewer Comment (2026-08-11): Received E-Consent document, information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-08-07): audit trail |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036796 | [Redacted] | [Redacted] | 37143213 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to bank statement with sufficient funds is required to meet [redacted] months' reserves requirement. | Reviewer Comment (2026-08-11): Received Borrower [redacted] Months Bank Statements with funds along with revised 1003 and 1008, information [Redacted]lidated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-07): see uploaded |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036796 | [Redacted] | [Redacted] | 37143214 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to bank statement with sufficient funds is required to meet [redacted] months' reserves requirement. | Reviewer Comment (2026-08-11): Received Borrower [redacted] Months Bank Statements with funds along with revised 1003 and 1008, information [Redacted]lidated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-07): see uploaded |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036796 | [Redacted] | [Redacted] | 37143215 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to bank statement with sufficient funds is required to meet [redacted] months' reserves requirement. | Reviewer Comment (2026-08-11): Received Borrower [redacted] Months Bank Statements with funds along with revised 1003 and 1008, information [Redacted]lidated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-07): see uploaded |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036907 | [Redacted] | [Redacted] | 37143824 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. The provided E-Sign consent is reflecting a pending status. | Reviewer Comment (2026-08-12): Received e-sign consent. Exception cleared. Buyer Comment (2026-08-11): Please see attached eConsent |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036911 | [Redacted] | [Redacted] | 37141671 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226036936 | [Redacted] | [Redacted] | 37139451 | Credit | Asset | Asset Documentation | Asset | Asset documentation is missing from the file and required per guidelines. | - | Please provide final certified copy of HUD on sale of [redacted]. [redacted] with [redacted] net proceeds wire transfer. Additional requirements may apply. | Reviewer Comment (2026-08-11): Final settlement statement from sale of the property listed above, cleared Buyer Comment (2026-08-11): FSS Buyer Comment (2026-08-10): Account |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226036978 | [Redacted] | [Redacted] | 37142449 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate is not within [redacted] days from initial application. | Reviewer Comment (2026-08-21): [redacted] received rebuttal. LE was sent within [redacted]business days from application date. Buyer Comment (2026-08-20): [redacted] is closed on [redacted] for the [redacted] of [redacted]holiday Reviewer Comment (2026-08-17): [redacted] received rebuttal that [redacted]holiday is observed on Friday [redacted] and are within correct timing. [redacted] is not a Federal Holiday that can be excluded without documentation that creditor's offices were not open for carrying on substantially all it's business functions. Please provide documentation of creditor's office closure on that date and an attestation confirming in order to exclude date from timing calculations. Buyer Comment (2026-08-17): Rebuttal Reviewer Comment (2026-08-11): The timing for the LE under § [redacted] is [redacted] business days from application. Initial LE issued [redacted]. On this loan, the LE should have been issued within [redacted] business days of the broker application date of [redacted]. Buyer Comment (2026-08-10): Holiday |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226037046 | [Redacted] | [Redacted] | 37143283 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226037046 | [Redacted] | [Redacted] | 37143284 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226037412 | [Redacted] | [Redacted] | 37148079 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226037412 | [Redacted] | [Redacted] | 37148080 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226052753 | [Redacted] | [Redacted] | 37145446 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Updated as per the sourced document. | Reviewer Comment (2026-08-31): Received updated 1008 and bid tape. Cleared. Reviewer Comment (2026-08-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]. Buyer Comment (2026-08-28): bid tape corrected Reviewer Comment (2026-08-21): Bid tape d[Redacted] need to be corrected to clear this condition. Exception remains. Buyer Comment (2026-08-19): updated urla and 1008 Buyer Comment (2026-08-19): Bid tape correction requested |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226052753 | [Redacted] | [Redacted] | 37145483 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee. Fee amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-28): PCCD |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226052753 | [Redacted] | [Redacted] | 37145516 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Missing NMLS Information on 1003 | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): NMLSR information not present on loan application. | NMLS information was captured as per the final application document. | Reviewer Comment (2026-08-21): NMLS information captured and verified. Exception cleared. Buyer Comment (2026-08-19): NMLSR is on the urla. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226052753 | [Redacted] | [Redacted] | 37145528 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. | - | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. | Reviewer Comment (2026-08-21): Prior employment history documented in file. Exception cleared. Buyer Comment (2026-08-19): [redacted] is the verification of his previous employment at [redacted] |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226052753 | [Redacted] | [Redacted] | 37145550 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to QM points and fees. | Reviewer Comment (2026-08-31): Received updated 1008 and bid tape. Cleared. Buyer Comment (2026-08-28): waterfall |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226052753 | [Redacted] | [Redacted] | 37145551 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to QM points and fees. | Reviewer Comment (2026-08-31): Received updated 1008 and bid tape. Cleared. Buyer Comment (2026-08-28): waterfall |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226052844 | [Redacted] | [Redacted] | 37148466 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053524 | [Redacted] | [Redacted] | 37152476 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-08-27): Appraisal delivery provided, exception cleared. Buyer Comment (2026-08-27): Waterfall Reviewer Comment (2026-08-11): 1004 [redacted] With effective date [redacted] and report date of [redacted] Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. Buyer Comment (2026-08-07): Waterfall |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226053524 | [Redacted] | [Redacted] | 37152477 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-08-27): Appraisal delivery provided, exception cleared. Buyer Comment (2026-08-27): Please see attached. Reviewer Comment (2026-08-11): 1004 [redacted] With effective date [redacted] and report date of [redacted] Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. Buyer Comment (2026-08-07): There was not an appraisal completed on [redacted]. Please clear condition. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226053524 | [Redacted] | [Redacted] | 37152480 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053526 | [Redacted] | [Redacted] | 37141993 | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or [Redacted]cation rental (i.e., [Redacted]) and evidence of at least [redacted] months of Operating History is not present in the loan file. | The subject property was a short-term rental. Please provide [redacted]-month rental history to verify income. | Reviewer Comment (2026-08-11): Received comparable rent schedule which was a[Redacted]ilable at initial review. Subject transaction is pur[Redacted] and market rent can be considered. Exception cleared. Buyer Comment (2026-08-10): This is a pur[Redacted] transaction. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226053529 | [Redacted] | [Redacted] | 37151529 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] is charged on Final Closing Disclosure; however, not charged on Loan Estimate. $[redacted] is over the legal limit. There is no cure amount or cure letter in the file. | Reviewer Comment (2026-08-18): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-08-17): PCCD with letter, escrow confirmation , not lender required |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226053532 | [Redacted] | [Redacted] | 37152005 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053532 | [Redacted] | [Redacted] | 37166325 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 exception for informational purposes only. | Buyer Comment (2026-08-11): Ok to waive |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Pur[Redacted] | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053533 | [Redacted] | [Redacted] | 37143031 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | DSCR discrepancy due to Lender utilizing a higher market rent than reflected on source document to qualify borrower. [redacted] reflects a lender exception to use long term lease g[Redacted]ing up market rent to [redacted]% (lease $[redacted]-month, market rent $[redacted] month = max income $[redacted] with a long-term lease). Exception request and appro[Redacted]l documents missing. | Reviewer Comment (2026-08-21): Received updated bid tape. Reviewer Comment (2026-08-21): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-08-19): Please see attached exception. Bid tape reflects [redacted]. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226053533 | [Redacted] | [Redacted] | 37315495 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for unacceptable property type. Property is an adult living facility. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-21): Client elects to downgrade and waive with compensating factors. |
08/21/2026 | Yes | 2 | B | B | B | B | B | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226053553 | [Redacted] | [Redacted] | 37152758 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for non-warrantable due to non-minor litigation is approved. Per disposition, loan must be registered as [Redacted] and must meet all other [Redacted] guidelines. Subject to [redacted] pricing. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has worked in the same position for more than [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-05): Client elects to waive with compensating factors. |
08/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Pur[Redacted] | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226053565 | [Redacted] | [Redacted] | 37151737 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | Declaration section [redacted] "A. Will you occupy the property as your primary residence?" is checked as No. | Reviewer Comment (2026-09-01): Received corrected 1003 Application. Exception cleared. Buyer Comment (2026-08-28): Please see page [redacted] The question is marked yes Reviewer Comment (2026-08-24): Section [redacted] question is still unanswered in the provided 1003, exception remains. Buyer Comment (2026-08-20): URLA |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053565 | [Redacted] | [Redacted] | 37151750 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-21): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-20): appraisal fee was cured at closing in Section [redacted] Buyer Comment (2026-08-20): URLA |
08/21/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226053565 | [Redacted] | [Redacted] | 37151751 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-28): PCCD |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226053577 | [Redacted] | [Redacted] | 37151872 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-17): Proof of appraisal delivery received, exception cleared Buyer Comment (2026-08-13): initial aprsl and proof both were sent to bwr upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Debt Consolidation | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053577 | [Redacted] | [Redacted] | 37151883 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | File is missing the preliminary appraisal. Evidence the creditor provided a copy the updated [Redacted]luation to applicant [redacted] business days prior to consummation was not located in the file.. | Reviewer Comment (2026-08-17): Proof of appraisal delivery received, exception cleared Buyer Comment (2026-08-13): initial aprsl and proof both were sent to bwr upld |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Debt Consolidation | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053577 | [Redacted] | [Redacted] | 37151884 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) [Redacted] Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | [redacted] Constitution Section [redacted](a)([redacted]): Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $[redacted] on an Original Principal Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%.) | Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $[redacted] on an Original Principal Loan Amount of $[redacted] versus an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Reviewer Comment (2026-08-25): Cure documentation received. Buyer Comment (2026-08-21): pccd docs with cure and proof of shipping upld |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to a[Redacted] overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226053577 | [Redacted] | [Redacted] | 37160276 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053577 | [Redacted] | [Redacted] | 37160752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a [Redacted]lid change of circumstance listing the fee that is changing, the reason for the change or the amount | Reviewer Comment (2026-08-24): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-21): pccd docs with cure and proof of shipping upld to trl docs Reviewer Comment (2026-08-14): [redacted] received rebuttal, however [redacted] cure required is [redacted] and cure provided is [redacted]. Please provide additional cure of [redacted] with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-13): please see final ss on [redacted] and cancel, the correct [Redacted]riance was [redacted] and we cured at closing on final cd. |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226053959 | [Redacted] | [Redacted] | 37153026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-21): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-08-20): Please see attached CD dated [redacted] with corresponding COC for the addition of the Extension Fee and cover sheet showing the document was sent to the borrower. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226053960 | [Redacted] | [Redacted] | 37152855 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Reviewer Comment (2026-08-07): Received and associated PUD rider. Exception cleared. Seller Comment (2026-08-06): attached the PUD rider for your convenience. It was uploaded with the initial Signed Loan Docs package (page [redacted]). You missed it in the separate Deed of trust we uplaoded. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226053971 | [Redacted] | [Redacted] | 37153253 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or [Redacted]lid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-21): [redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-20): Cured in Section [redacted] at closing |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226053971 | [Redacted] | [Redacted] | 37309174 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226053971 | [Redacted] | [Redacted] | 37309175 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226061902 | [Redacted] | [Redacted] | 37153102 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Buyer Comment (2026-08-10): On approved waiver list |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Pur[Redacted] | No obvious cure | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226061902 | [Redacted] | [Redacted] | 37160103 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on [redacted] to allow Pri[Redacted]te VOR, however the Lender Exception document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-11): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-11): Received lender exception appro[Redacted]l to allow pri[Redacted]te VOR. Buyer Comment (2026-08-10): exception |
08/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Pur[Redacted] | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| 226061902 | [Redacted] | [Redacted] | 37208168 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided to permit a [redacted]% LTV - [redacted] credit score. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-11): Client elects to downgrade and waive with compensating factors. |
08/11/2026 | Yes | 2 | B | B | B | B | B | MA | Primary | Pur[Redacted] | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||||
| 226061954 | [Redacted] | [Redacted] | 37152350 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero-Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[redacted] exceeds the tolerance of $[redacted]. $[redacted] over legal limit. There is no cure amount or cure letter in the file. | Reviewer Comment (2026-08-17): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-13): please cancel, this was cured at closing on final cd |
08/17/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 226061954 | [Redacted] | [Redacted] | 37152353 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero-Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee amount of $[redacted] is charged on Final Closing Disclosure, however, not charged on Loan Estimate. $[redacted] over legal limit. There is no cure amount or cure letter in the file. | Reviewer Comment (2026-08-18): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-17): pccd docs upld Reviewer Comment (2026-08-17): Zero-Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee amount of [redacted] is charged on Final Closing Disclosure, however, not charged on Loan Estimate. [redacted] over legal limit. There is no cure amount or cure letter in the file. Reviewer Comment (2026-08-17): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 226061954 | [Redacted] | [Redacted] | 37152388 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]4D/[redacted] was not provided. | - | Appraisal was made subject to, and Form [redacted] is not in the images in the file. | Reviewer Comment (2026-08-17): Inspection report associated. Exception cleared. Buyer Comment (2026-08-13): please see inspector email on [redacted]/ PAGES[redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Pur[Redacted] | C | B | A | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 226061955 | [Redacted] | [Redacted] | 37161172 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates that there is a lender exception for the EAD card code of [redacted] however the appro[Redacted]l document is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-11): Client elects to waive with compensating factors. Reviewer Comment (2026-08-11): Lender exception appro[Redacted]l provided for borrower has a current EAD card code [redacted]. Buyer Comment (2026-08-07): EXCEPTION APPRO[Redacted]L |
08/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226061955 | [Redacted] | [Redacted] | 37161209 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of non-US Citizen is not located in the file. | Reviewer Comment (2026-08-11): Received employment authorization. Exception cleared. Buyer Comment (2026-08-07): ID docs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226061957 | [Redacted] | [Redacted] | 37160691 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Unable to verify the VVOE date in file. | Reviewer Comment (2026-08-25): Business Entity Listing associated, Exception Cleared. Buyer Comment (2026-08-24): please see attached screen shot showing business license search (doc [redacted]) was completed on [redacted]. it is a printout from the [redacted] state website Reviewer Comment (2026-08-19): Please provide Business entity listing document with document date, Exception remains. Buyer Comment (2026-08-18): please see CPA letter doc [redacted] dated [redacted] and business license printout from state website doc [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226061957 | [Redacted] | [Redacted] | 37160699 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Unable to verify the VVOE date in file. | Reviewer Comment (2026-08-25): Business Entity Listing associated, Exception Cleared. Reviewer Comment (2026-08-19): Please provide Business entity listing document with document date, Exception remains. Buyer Comment (2026-08-18): please see CPA letter doc [redacted] dated [redacted] and business license printout from state website doc [redacted] |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NH | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226061957 | [Redacted] | [Redacted] | 37160700 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Unable to verify the VVOE date in file. | Reviewer Comment (2026-08-25): Business Entity Listing associated, Exception Cleared. Reviewer Comment (2026-08-19): Please provide Business entity listing document with document date, Exception remains. Buyer Comment (2026-08-18): please see CPA letter doc [redacted] dated [redacted] and business license printout from state website doc [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226061957 | [Redacted] | [Redacted] | 37160701 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Unable to verify the VVOE date in file. | Reviewer Comment (2026-08-25): Business Entity Listing associated, Exception Cleared. Reviewer Comment (2026-08-19): Please provide Business entity listing document with document date, Exception remains. Buyer Comment (2026-08-18): please see CPA letter doc [redacted] dated [redacted] and business license printout from state website doc [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226061957 | [Redacted] | [Redacted] | 37160722 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Unable to verify the VVOE date in file. | Reviewer Comment (2026-08-25): Business Entity Listing associated, Exception Cleared. Reviewer Comment (2026-08-19): Please provide Business entity listing document with document date, Exception remains. Buyer Comment (2026-08-18): please see CPA letter doc [redacted] dated [redacted] and business license printout from state website doc [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226062048 | [Redacted] | [Redacted] | 37152503 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Pur[Redacted] | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226062048 | [Redacted] | [Redacted] | 37163440 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception appro[Redacted]l provided for non-warrantable condo due to outstanding critical repairs. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-05): Client elects to waive with compensating factors. |
08/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Pur[Redacted] | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226062049 | [Redacted] | [Redacted] | 37151972 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226062372 | [Redacted] | [Redacted] | 37160549 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Discrepancy is due to property is a mixed use property. Per lender guides, only [redacted]% of the total rent can be for the commercial unit. | Reviewer Comment (2026-08-24): Received revised 1008 form with DSCR of [redacted] and Bid tape date is also changed to [redacted]. Exception cleared. Buyer Comment (2026-08-20): Bid tape has been updated to reflect [redacted] which is within tolerance. Uploaded new 1008 correcting verbiage regarding DSCR factor. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226062613 | [Redacted] | [Redacted] | 37142664 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-19): Received CDA. Exception Cleared. Buyer Comment (2026-08-17): CDA |
08/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 226062640 | [Redacted] | [Redacted] | 37153930 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Policy effective date is [redacted], which is after the note date of [redacted]. | Reviewer Comment (2026-08-20): No loss letter provided from agent. Reviewer Comment (2026-08-18): Hazard insurance Policy effective date is [redacted], which is after the note date of [redacted], Provided hazard insurance policy prior to note date [redacted]-Exception remains Buyer Comment (2026-08-17): No loss letter Reviewer Comment (2026-08-12): Require Hazard insurance document which shows effective date prior to or on closing date as provided HOI document shows effective date [redacted] which is after the closing date. Exception Remains. Buyer Comment (2026-08-10): HOI |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226062640 | [Redacted] | [Redacted] | 37172289 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement | Reviewer Comment (2026-08-12): Mortgage statement DOC id [redacted]a[Redacted]ilable in file, information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-08-10): see [redacted] pg [redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226062676 | [Redacted] | [Redacted] | 37148321 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Discrepancy due to missing the final closing statement for the Heloc funds. | Reviewer Comment (2026-08-12): Received HELOC statement and official check document. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-11): Heloc statement Reviewer Comment (2026-08-11): Received check drawn to title compa[Redacted] in the amount of [redacted]. Require source of funds to support [redacted] (HELOC agreement or closing statement for HELOC). Exception remains. Buyer Comment (2026-08-10): The borrower withdrew [redacted] from their Heloc and the check was made out to the settlement agent to cash. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226062676 | [Redacted] | [Redacted] | 37148417 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-08-12): Received HELOC statement and official check document. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-11): see uploaded Reviewer Comment (2026-08-11): Received check drawn to title compa[Redacted] in the amount of [redacted]. Require source of funds to support [redacted] (HELOC agreement or closing statement for HELOC). Exception remains. Buyer Comment (2026-08-10): see uploaded |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226062676 | [Redacted] | [Redacted] | 37159045 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | The final CD or closing statement is missing for the Heloc funds. | Reviewer Comment (2026-08-12): Received HELOC statement document. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-11): see uploaded Reviewer Comment (2026-08-11): Received check drawn to title compa[Redacted] in the amount of [redacted]. Require source of funds to support [redacted] (HELOC agreement or closing statement for HELOC). Exception remains. Buyer Comment (2026-08-10): see uploaded copy of cashiers check |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226063525 | [Redacted] | [Redacted] | 37160995 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226063956 | [Redacted] | [Redacted] | 37173079 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust Agreement missing in file. | Reviewer Comment (2026-08-25): cleared. Buyer Comment (2026-08-24): Please see attached. Reviewer Comment (2026-08-14): [Redacted] accounts #[redacted], #[redacted]are applicants trust accounts - under [redacted] As per guideline, The trust agreement or trust certificate should be provided for trust account funds. Buyer Comment (2026-08-12): Please review the final 1003 again. The funds listed are Retirement, [redacted] money market and [redacted] mutual funds. There are no trust accounts listed. Please clear condition. Reviewer Comment (2026-08-11): As per the 1003, trust funds are being used for qualification. Provide the Trust Agreement for review. Exception remains. Buyer Comment (2026-08-07): The loan did not close in a trust. Please clear condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063956 | [Redacted] | [Redacted] | 37173080 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust Agreement missing in file. | Reviewer Comment (2026-08-25): Cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-14): [Redacted] accounts #[redacted], #[redacted]are applicants trust accounts - under [redacted]. As per guideline, The trust agreement or trust certificate should be provided for trust account funds. Buyer Comment (2026-08-12): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063959 | [Redacted] | [Redacted] | 37168423 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file is missing a copy of the E-sign Consent Agreement. | Reviewer Comment (2026-08-12): Received E-Sign Consent. Exception cleared. Buyer Comment (2026-08-10): e-consent |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226063959 | [Redacted] | [Redacted] | 37168427 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Only Title Commitment provided in the file with a coverage amount of $[redacted] is less than the note amount of $[redacted]. | Reviewer Comment (2026-08-18): Title commitment associated and updated. Exception cleared. Buyer Comment (2026-08-17): updated commitment |
08/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226063959 | [Redacted] | [Redacted] | 37168445 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted]. | Reviewer Comment (2026-09-02): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-09-01): RTC, LOX, Label and Check & PCCD - all in one package Reviewer Comment (2026-08-26): [redacted] received additional clarification on the Title-Title Services Lender (Title-Technology fee) of [redacted] that it is for the closing software the title compa[Redacted] uses. Unfortunately, as stated, the fee service would not be excludable under the [redacted] fee types and should have been included in the finance charge calculation. Cure is Corrected CD, LOE to borrower, copy of cure refund of [redacted], proof of mailing and proof of reopening of rescission to all consumers. Buyer Comment (2026-08-25): email from title Reviewer Comment (2026-08-20): [redacted] received the explanation from title that fee is a technology fee for their office. Settlement Statement states fee name as Title-Technology Fee. The information did not clarify what the services or purpose provided for this fee in order to determine if this is a finance charge. Buyer Comment (2026-08-19): It was not a lender fee to provide a lender attestation that is why I provided an email from title as it was their fee not ours Reviewer Comment (2026-08-18): Please provide written document with lender attestation confirming the purpose of credit technology and does not include a[Redacted] charges for life of loan monitoring services. Buyer Comment (2026-08-17): email from title. please remove from your calculations for finance charges |
09/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226063959 | [Redacted] | [Redacted] | 37174281 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax fee amount of $[redacted] increased on Closing Disclosure [redacted]. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-08-12): [redacted] received [Redacted]lid COC document Buyer Comment (2026-08-10): COC |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226063960 | [Redacted] | [Redacted] | 37169191 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-19): E-Sign Consent Agreement is provided in file- Exception Cleared Buyer Comment (2026-08-18): please see attached econsent |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226063962 | [Redacted] | [Redacted] | 37168408 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal review fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226063963 | [Redacted] | [Redacted] | 37168507 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial closing disclosure is not provided. | Reviewer Comment (2026-08-12): [redacted] received CD dated [redacted] Buyer Comment (2026-08-11): ICD |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226063965 | [Redacted] | [Redacted] | 37168505 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to the Credit Report Fee. No [Redacted]lid COC provided, specific credit of $[redacted] has been provided as cure at closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226063965 | [Redacted] | [Redacted] | 37168514 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to Recording Fee. No [Redacted]lid COC provided, specific credit of $[redacted] has been provided as cure at closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226063979 | [Redacted] | [Redacted] | 37168301 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Reviewer Comment (2026-08-24): Updated state application date. Buyer Comment (2026-08-20): The [redacted] counseling disclosure was signed on [redacted], the same date that the borrowers signed the initial application. The application date is [redacted] since that's when they signed the application. |
08/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 226063979 | [Redacted] | [Redacted] | 37168302 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Market Rate [redacted] + [redacted]%, or [redacted]%. Compliant SubPrime Loan. | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Market Rate [redacted] + [redacted]%, or [redacted]%. Compliant Subprime Loan. | Buyer Comment (2026-08-24): compliant Reviewer Comment (2026-08-24): Informational EV1 exceptions. Cure provision under [redacted] Subprime [redacted] appears to be limited to making a non-compliant [redacted] Subprime loan into a compliant [redacted] subprime loan. Buyer Comment (2026-08-20): The [redacted] counseling disclosure was signed on [redacted], the same date that the borrowers signed the initial application. The application date is [redacted] since that's when they signed the application. |
08/24/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under [Redacted] Subprime 6-m(7) appears to be limited to making a non-compliant [Redacted] Subprime loan into a compliant [Redacted] subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of [Redacted] Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226063988 | [Redacted] | [Redacted] | 37159982 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status was not provided. | Reviewer Comment (2026-08-14): ITIN document considered for Non-US Citizen Status . Exception cleared. Buyer Comment (2026-08-12): itin docs upld |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063988 | [Redacted] | [Redacted] | 37160065 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was missing. | Reviewer Comment (2026-08-14): E-sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-08-12): econsent and proof disclosures were also sent regular mail upld |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226063999 | [Redacted] | [Redacted] | 37168494 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Missing eConsent; Blend report shows eConsent pending. | Reviewer Comment (2026-08-17): Received E-Consent document disclosure summary. Exception Cleared. Buyer Comment (2026-08-13): Disclosure Tracking |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226063999 | [Redacted] | [Redacted] | 37168497 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved exception for pri[Redacted]te VOR as per [redacted]. Missing lender exception form and appro[Redacted]l. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-17): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-17): Received lender exception appro[Redacted]l for pri[Redacted]te VOR. Buyer Comment (2026-08-13): EXCEPTION APPRO[Redacted]L |
08/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226063999 | [Redacted] | [Redacted] | 37168518 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised [Redacted]luation to applicant [redacted] business days prior to consummation. Revised [Redacted]luation reflects clerical change only, no impact to compliant HPML determination. | EV2 exception for revised appraisal was not provided within [redacted] business days prior to closing. | Reviewer Comment (2026-08-17): Client elects to waive. Buyer Comment (2026-08-13): Please waive |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226063999 | [Redacted] | [Redacted] | 37168520 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Market Rate [redacted] + [redacted]%, or [redacted]%. Compliant SubPrime Loan. | Reviewer Comment (2026-08-19): Client elects to waive. Buyer Comment (2026-08-17): Please waive. Reviewer Comment (2026-08-17): Given there are no prohibited practice violations, the loan is a Compliant [redacted] Subprime Loan. Loan can be cured by removing loan from subprime status Buyer Comment (2026-08-13): [redacted] subprime legend on mortgage. |
08/19/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Pur[Redacted] | No obvious cure. Cure provision under [Redacted] Subprime 6-m(7) appears to be limited to making a non-compliant [Redacted] Subprime loan into a compliant [Redacted] subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of [Redacted] Subprime status. | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226063999 | [Redacted] | [Redacted] | 37168521 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien pur[Redacted] transaction did not disclose a[Redacted] Seller paid fees/charges on page [redacted]. | Final Closing Disclosure did not reflect a[Redacted] seller fees; seller Closing Disclosure was not provided. | Reviewer Comment (2026-08-14): [redacted] received seller CD Buyer Comment (2026-08-13): Seller CD |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226063999 | [Redacted] | [Redacted] | 37168522 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226064003 | [Redacted] | [Redacted] | 37175679 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution was not found in file. | Reviewer Comment (2026-08-17): Cleared. Received document. Buyer Comment (2026-08-13): please see uc on [redacted], the loan amount on the uc is higher than the actual loan amount and should be sufficient to clear. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226064003 | [Redacted] | [Redacted] | 37175691 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Only [redacted] months statements provided. Guidelines require [redacted] months for [redacted] for [redacted]. | Reviewer Comment (2026-08-17): Cleared. Sufficient statements provided. CPA letter states that name of business changed without a change in the business operations. Buyer Comment (2026-08-13): rebuttal upld |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226064003 | [Redacted] | [Redacted] | 37175692 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Account Statements - Business not provided | Only [redacted] months statements provided. Guidelines require [redacted] months for [redacted] for [redacted]. | Reviewer Comment (2026-08-17): Cleared. Sufficient statements provided. CPA letter states that name of business changed without a change in the business operations. Buyer Comment (2026-08-13): rebuttal upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226064003 | [Redacted] | [Redacted] | 37175706 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Only [redacted] months statements provided. Guidelines require [redacted] months for [redacted]. | Reviewer Comment (2026-08-17): Cleared. Sufficient statements provided. CPA letter states that name of business changed without a change in the business operations. Buyer Comment (2026-08-13): rebuttal upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226064003 | [Redacted] | [Redacted] | 37175783 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | - | Only [redacted] months statements provided. Guidelines require [redacted] months for [redacted]. | Reviewer Comment (2026-08-17): Cleared. Sufficient statements provided. CPA letter states that name of business changed without a change in the business operations. Buyer Comment (2026-08-13): rebuttal upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226064005 | [Redacted] | [Redacted] | 37168543 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-24): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-08-21): COC |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226064005 | [Redacted] | [Redacted] | 37168544 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-24): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-08-21): COC |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226064023 | [Redacted] | [Redacted] | 37174973 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for unacceptable property type. DSCR [redacted] if using only units #[redacted] and #[redacted]. if including unit #[redacted] which will be occupied [redacted] then DSCR would be [redacted] - FICO [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-06): Lender Exception with Compensating Factors provided. |
08/06/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NH | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226064792 | [Redacted] | [Redacted] | 37172824 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Consent date was [redacted] per document in file. | Reviewer Comment (2026-08-26): [redacted] received rebuttal suffice Buyer Comment (2026-08-25): Our eConsent is transaction specific and regardless of time between eConsent date and initial application date we should not have to supply documentation to state that it has not been revoked. See all pages of the attached Reviewer Comment (2026-08-14): [redacted] received e-consent from [redacted]. The E- sign consent was agreed to before the application date. (approximately [redacted] year prior) In order to accept an older pre-application dated e consent, provide the actual e consent agreement from [redacted] to determine that the consent was given for the relationship and not for the prior transaction only along with an attestation from the seller indicating the borrower never revoked their consent. Buyer Comment (2026-08-13): Date is actually [redacted]not [redacted], see [redacted] |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226064799 | [Redacted] | [Redacted] | 37154738 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-21): CDA, cleared Buyer Comment (2026-08-21): CDA |
08/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 226064820 | [Redacted] | [Redacted] | 37169427 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty fee $[redacted] was added on Closing Disclosure [redacted]. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-08-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-18): Cure Docs |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226064835 | [Redacted] | [Redacted] | 37168715 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-08-17): E-sign Consent Agreement received. Exception cleared. Buyer Comment (2026-08-13): Please see attached. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226064852 | [Redacted] | [Redacted] | 37173077 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-26): E-Sign Consent Agreement provided and associated. Exception cleared Buyer Comment (2026-08-25): econsent |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226064861 | [Redacted] | [Redacted] | 37174007 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | Borrower declaration on final [redacted] reflects borrower does not intend to occupy as primary residence. | Reviewer Comment (2026-08-17): Received updated 1003 Application. Exception Cleared. Buyer Comment (2026-08-13): 1003 |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226064861 | [Redacted] | [Redacted] | 37174050 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226064866 | [Redacted] | [Redacted] | 37167953 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance document was not found in file. | Reviewer Comment (2026-08-18): Received Hazard Insurance document. Exception cleared. Buyer Comment (2026-08-14): Hazard |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226064872 | [Redacted] | [Redacted] | 37175782 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226064873 | [Redacted] | [Redacted] | 37175362 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent tolerance was exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] due to Recording fees. No [Redacted]lid Change of Circumstance was found in the file. | Reviewer Comment (2026-08-24): [redacted] received PCCD, LOE, copy of refund check and proof of mailing. Buyer Comment (2026-08-21): pccd docs upld Reviewer Comment (2026-08-17): [redacted] : Cure provided at closing is insufficient cure for the recording fee exceeds [redacted] tolerance. [redacted] also required additional cure of [redacted] with cure documents for the recording fee increased from baseline of [redacted]. Buyer Comment (2026-08-14): please cancel, this was cured at closing on final cd Section [redacted]. |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226064995 | [Redacted] | [Redacted] | 37181920 | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. | - | The employment authorization cards for both borrowers are CO8 category. Per guidelines, an [Redacted] letter detailing case status or an online case status printout which does not show adverse actions taken is required. | Reviewer Comment (2026-08-26): An [Redacted] letter for no adverse actions is already provided. Exception cleared. Buyer Comment (2026-08-24): please clear, letter from the immigration [Redacted] reflects no adverse steps have been taken against either borrower. Reviewer Comment (2026-08-17): Please provide an [Redacted] letter detailing case status or an online case status printout which does not show adverse actions taken. Buyer Comment (2026-08-14): [Redacted] letter upld |
08/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||||
| 226064995 | [Redacted] | [Redacted] | 37183467 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] reflects a lender exception for pri[Redacted]te VOM however the lender exception appro[Redacted]l is not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-18): Client elects to waive with compensating factors. Reviewer Comment (2026-08-18): Lender exception appro[Redacted]l provided for [redacted] months cancelled checks wit a pri[Redacted]te mortgage on primary. Buyer Comment (2026-08-14): except aprvl upld |
08/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||
| 226065753 | [Redacted] | [Redacted] | 37174105 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy is missing from file. | Reviewer Comment (2026-08-19): Final title policy received in the file. |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226065753 | [Redacted] | [Redacted] | 37174112 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Reviewer Comment (2026-08-19): Final title policy received in the file. Buyer Comment (2026-08-17): Title |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226065753 | [Redacted] | [Redacted] | 37174156 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid COC or lender cure was provided for the increase in [redacted]% Tolerance Fees. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226065753 | [Redacted] | [Redacted] | 37174157 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid COC or lender cure was provided for the increase in [redacted]% Tolerance Fees. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226065826 | [Redacted] | [Redacted] | 37175364 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226065827 | [Redacted] | [Redacted] | 37184207 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The corporate resolution as required by lender guides with all transaction details was not located in the file, Must be signed by all members. | Reviewer Comment (2026-08-14): Corporate Resolution, cleared Buyer Comment (2026-08-14): corporate resolution |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226065880 | [Redacted] | [Redacted] | 37176007 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien not provided. | Reviewer Comment (2026-08-17): Security instrument received. Buyer Comment (2026-08-13): Please see attached. |
08/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Pur[Redacted] | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226065880 | [Redacted] | [Redacted] | 37176048 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee disclosed as $[redacted] on initial CD and then as $[redacted] on final CD. No [Redacted]lid change of circumstance or cure for borrower provided $[redacted]. $[redacted] over legal limit. No cure was provided to the borrower. |
Reviewer Comment (2026-08-10): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226065880 | [Redacted] | [Redacted] | 37176049 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee due to [redacted] survey fees being listed on the initial CD. | Reviewer Comment (2026-08-17): [redacted] received PCCD and LOE. Buyer Comment (2026-08-13): Please see attached. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226065880 | [Redacted] | [Redacted] | 37240381 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226066822 | [Redacted] | [Redacted] | 37175999 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no [Redacted]lid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226066823 | [Redacted] | [Redacted] | 37177273 | Compliance | Compliance | Federal Compliance | Missing Non-Required D[Redacted] | (Missing D[Redacted]) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-08-28): Cleared. Received rate lock Buyer Comment (2026-08-26): please note loan was locked on [redacted]. initial LE is doc [redacted], coinciding with [redacted] Lock doc [redacted]. revised LE doc [redacted]that shows as locked erroneously has a [redacted] issue date. it was actually issued on [redacted] as per the date & time stamp at the bottom of the page that populates when the doc is generated. see attached docs of screen shots to show the rev [redacted] LE was generated\locked on [redacted]. . Date\time stamp on rev LE matches our disclosure tracking timeline Reviewer Comment (2026-08-25): Application date and loan estimate lock date is [redacted] provide initial rate lock date document. Exception remains Reviewer Comment (2026-08-25): Application date and loan estimate lock date is [redacted] provided initial rate lock date document. Exception remains Buyer Comment (2026-08-24): please see attached initial lock Buyer Comment (2026-08-24): please see attached final lock |
08/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Pur[Redacted] | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067020 | [Redacted] | [Redacted] | 37177317 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-08-17): [redacted] received rebuttal comment and as per date of pur[Redacted] contract received. Application date changed to [redacted] Buyer Comment (2026-08-13): See [redacted] is the initial CD which was delivered within [redacted] days of the app date of [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067020 | [Redacted] | [Redacted] | 37192698 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | . [Redacted]riance is more than [redacted]%, or [redacted] [Redacted]lue is below [redacted] and the other is above [redacted], or [redacted] [Redacted]lue is below [redacted] and the other is above [redacted]. | Reviewer Comment (2026-08-17): Received and reviewed the Closing Statement. Confirmed [redacted]. was sold; REO removed from DTI. Exception cleared. Buyer Comment (2026-08-13): see uploaded - Please remove REO details as the home was sold and should not be included into the DTI. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067020 | [Redacted] | [Redacted] | 37192719 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement [redacted]., Unit [redacted], [redacted], [redacted] | Reviewer Comment (2026-08-17): Received and reviewed the Closing Statement. Confirmed [redacted]. was sold; REO removed from DTI. Exception cleared. Buyer Comment (2026-08-13): The REO was sold. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067020 | [Redacted] | [Redacted] | 37192849 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-17): Received and reviewed the Closing Statement. Confirmed [redacted]. was sold; REO removed from DTI. Exception cleared. Buyer Comment (2026-08-13): see uploaded |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067020 | [Redacted] | [Redacted] | 37192858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay | Reviewer Comment (2026-08-17): Received and reviewed the Closing Statement. Confirmed [redacted]. was sold; REO removed from DTI. Exception cleared. Buyer Comment (2026-08-13): see uploaded |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067314 | [Redacted] | [Redacted] | 37178084 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067314 | [Redacted] | [Redacted] | 37178085 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067316 | [Redacted] | [Redacted] | 37177754 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. | The H-[redacted] form was used; the H-[redacted] form should have been used. | Reviewer Comment (2026-09-03): Corrected right to cancel form received. Details verified and updated. Exception cleared. Buyer Comment (2026-09-01): right to cancel with proof bwr viewed and email chain explaining the reason upld |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226067317 | [Redacted] | [Redacted] | 37178914 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pur[Redacted] Agreement / Sales Contract not provided | Pur[Redacted] contract was not found in the file. | Reviewer Comment (2026-08-17): Received pur[Redacted] contract agreement document. Exception Cleared. Buyer Comment (2026-08-13): Please see attached |
08/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Second Home | Pur[Redacted] | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067317 | [Redacted] | [Redacted] | 37178933 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067320 | [Redacted] | [Redacted] | 37180046 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification document is missing in the file. | Reviewer Comment (2026-08-21): REO documents received, exception cleared Buyer Comment (2026-08-20): Rebuttal Reviewer Comment (2026-08-18): As per CD for property [redacted] escrow payment are [redacted] and we have received proof of insurance [redacted] and tax [redacted]. Require proof for remaining [redacted]. Exception Remains. Buyer Comment (2026-08-14): Property docs |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067326 | [Redacted] | [Redacted] | 37178950 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. | Reviewer Comment (2026-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-18): please see attached screen shot showing credit report fee on LEs is [redacted]. due to format regulations, the cents will not print on the LE. [redacted] credit report cure was applied on final CD doc [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226067326 | [Redacted] | [Redacted] | 37291748 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226067327 | [Redacted] | [Redacted] | 37178998 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | [redacted] is the only member in the file. | Reviewer Comment (2026-08-17): Member date of birth is not required. Exception Cleared. Buyer Comment (2026-08-13): this is not required. please cancel |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Pur[Redacted] | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226067327 | [Redacted] | [Redacted] | 37179051 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased to $[redacted] without a [Redacted]lid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-24): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-08-21): coc Reviewer Comment (2026-08-18): [redacted] Received lock form; however, unable to verify why discount point fee increased on CD dated [redacted]. Provide COC with detailed information why discount point fee increased or cure is due. Cure Consist of PCCD, LOE, Refund Check and Proof of Mialing. Buyer Comment (2026-08-17): lock form Reviewer Comment (2026-08-17): [redacted]received Changed Circumstance dated [redacted], but it does not give sufficient information on why loan discount point was increased. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increased and when lender became aware of the change. A [Redacted]lid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-08-13): LE & COC |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226067327 | [Redacted] | [Redacted] | 37179052 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee increased to $[redacted] without a [Redacted]lid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-17): [redacted] received [Redacted]lid COC dated [redacted] Buyer Comment (2026-08-13): coc |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226067327 | [Redacted] | [Redacted] | 37179053 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee increased to $[redacted] without a [Redacted]lid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-27): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-26): correct cure docs Reviewer Comment (2026-08-25): [redacted] Received Cure docs belong to different loan and property. Provide [Redacted]lid COC or Cure docs for current transaction. Buyer Comment (2026-08-24): please disregard uploads wrong loan Buyer Comment (2026-08-24): PCCD, LOX & email from title Reviewer Comment (2026-08-17): [redacted] received Changed Circumstance dated[redacted], however 1004 completed subject to following repairs is dated [redacted] and fee added on [redacted] CD which is not within [redacted] days of change. Please provide additional information why fee added on [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-13): coc |
08/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226067329 | [Redacted] | [Redacted] | 37179484 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. There is no cure amount or cure letter in file. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226067332 | [Redacted] | [Redacted] | 37182210 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee in the amount of $[redacted] added to Loan Estimate dated [redacted] with no [Redacted]lid change evident. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-27): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-26): PCCD, LOX, Label and Check Reviewer Comment (2026-08-21): [redacted] received rebuttal, however all the documents a[Redacted]ilable in file show loan program as "[redacted] - [Redacted] - Full Doc [redacted] Yr Fixed EXCEPTION (Alt-A)*BestEfforts" and there is no supporting document to verify the other loan program. Please provide the supporting document to verify to other loan program. Buyer Comment (2026-08-19): The reason for the appraisal fee is due to program change and your previous comment said you were unable to identify the a change so provided the lock form with the changes Reviewer Comment (2026-08-18): [redacted] received lock form. However, this does not sufficiently explain the reason for the fee added. Please provide supporting documentation or a detailed explanation to substantiate the addition of the [redacted]nd appraisal fee added or Cure is required to borrower. Buyer Comment (2026-08-17): lock form Reviewer Comment (2026-08-17): [redacted] received COC dated [redacted]which was already in file for review but from the reason and from the a[Redacted]ilable rate lock we are unable to identify the change in loan product. Please provide more information regarding change in program that resulted in additional appraisal fee. Buyer Comment (2026-08-13): LE & COC |
08/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226067332 | [Redacted] | [Redacted] | 37182211 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased on Closing Disclosure dated [redacted] with no [Redacted]lid change evident. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-17): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-13): this is listed on the final cd |
08/17/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226067332 | [Redacted] | [Redacted] | 37187794 | Credit | Income / Employment | Income Eligibility | Income / Employment | Restricted Stock Unit (RSU) Income is being used a qualifying income for the borrower, but is not allowed per the lender guidelines. Or, the RSU Income does not meet requirements. | Guidelines require RSU [redacted]-year history of receipt and [redacted] year in the case of time-based awards with a [redacted]-year continuance. Borrower received RSU at previous employer but has only been with current employer [redacted] months. Lender exception in loan file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-08-28): Client elects to waive with comp factors. Reviewer Comment (2026-08-10): Lender approved exception at origination with compensating factors. |
08/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226067332 | [Redacted] | [Redacted] | 37187795 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Gap of employment of [redacted] days or more requires a letter of explanation. Loan file is missing the gap letter. | Reviewer Comment (2026-08-17): Received Gap Letter is verified and associated, exception cleared. Buyer Comment (2026-08-13): see [redacted] pg [redacted] for gap letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226067332 | [Redacted] | [Redacted] | 37187796 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall for missing gap letter. | Reviewer Comment (2026-08-17): Received Gap Letter is verified and associated, exception cleared. Buyer Comment (2026-08-13): see [redacted] pg [redacted] for gap letter |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226067332 | [Redacted] | [Redacted] | 37187797 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall for missing gap letter. | Reviewer Comment (2026-08-17): Received Gap Letter is verified and associated, exception cleared. Buyer Comment (2026-08-13): see [redacted] pg [redacted]for gap letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226067332 | [Redacted] | [Redacted] | 37187798 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for missing gap letter. | Reviewer Comment (2026-08-17): Received Gap Letter is verified and associated, exception cleared. Buyer Comment (2026-08-13): see [redacted] pg [redacted] for gap letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226067332 | [Redacted] | [Redacted] | 37187801 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Explanation Letter not provided | Missing a copy of the employment gap letter for [redacted] for dates [redacted] to [redacted]. | Reviewer Comment (2026-08-17): Received Gap Letter is verified and associated, exception cleared. Buyer Comment (2026-08-13): see [redacted] pg [redacted] for gap letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226067332 | [Redacted] | [Redacted] | 37187802 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall for missing employment gap letter. | Reviewer Comment (2026-08-17): Received Gap Letter is verified and associated, exception cleared. Buyer Comment (2026-08-13): see [redacted] pg [redacted] for gap letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226067334 | [Redacted] | [Redacted] | 37178022 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date/closing date, as the Hazard Insurance Policy Effective Date is [redacted] and the closing date is [redacted]. | Reviewer Comment (2026-08-27): Disbursement date post effective date and No loss letter from insurance provided, exception cleared. Buyer Comment (2026-08-26): please clarify as email chain (no doc #, page [redacted]) states that the policy date could not be moved up by insurance compa[Redacted]. this email has the insurance agent stating that and that no claims have been filed. they would not sign a letter of no loss Reviewer Comment (2026-08-25): Required hazard insurance policy covering note date. Exception remains. Buyer Comment (2026-08-21): please see attached email from insurance agent confirming no claims have been filed against property |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067334 | [Redacted] | [Redacted] | 37187789 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-08): Sufficient Cure Provided At Closing |
08/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067346 | [Redacted] | [Redacted] | 37522993 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The loan application reflects that the borrower has owns the property however the years at current address states [redacted] years/months. | Borrower has verified disposable income of at least $[redacted]. Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Disposable Income: $[redacted] Same industry for more than [redacted] years. Same position for more than [redacted] years. |
SitusAMC,Aggregator Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-11): Client elects to waive with comp factors. Buyer Comment (2026-09-11): Exception to clear open [redacted] grade per conversation with [redacted]. |
09/11/2026 | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 226067347 | [Redacted] | [Redacted] | 37178895 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent is missing. | Reviewer Comment (2026-08-12): Received E-Sign Consent Agreement is verified and associated, exception cleared. Seller Comment (2026-08-11): Econsent |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067347 | [Redacted] | [Redacted] | 37183884 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the final CD for this property. | Reviewer Comment (2026-08-12): Received interim CD. Loan had not closed at the time of the subject transaction. Condition cleared. Seller Comment (2026-08-12): INTERIM CD Seller Comment (2026-08-11): The property has not yet been pur[Redacted]d and closed. Please advise what is required to clear this condition. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067543 | [Redacted] | [Redacted] | 37178229 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The note is missing for the address [redacted]. | Reviewer Comment (2026-08-18): Received Note document for the property address [redacted]. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-17): Note |
08/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226079465 | [Redacted] | [Redacted] | 37183410 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-17): [redacted] received LOX stating survey was required buyer and Title. Buyer Comment (2026-08-14): Survey Attestation |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226079535 | [Redacted] | [Redacted] | 37179568 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Reviewer Comment (2026-08-26): [redacted] tax extention provided Buyer Comment (2026-08-24): please see [redacted] extensions docs [redacted] & [redacted] pg [redacted] |
08/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Pur[Redacted] | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226079535 | [Redacted] | [Redacted] | 37179570 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-08-28): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-27): please see attached lox, pccd & check Reviewer Comment (2026-08-25): [redacted] Only recording fee will be consider under [redacted]% tolerance fee as title fees are shopped outside SSPL and will not be considered under [redacted]% tolerance. Recording fee increased on LE dated [redacted] without [Redacted]lid COC. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-08-24): please update your LE baseline amounts, title fees listed in Sec C of LE are missing |
08/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226079801 | [Redacted] | [Redacted] | 37180642 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226080124 | [Redacted] | [Redacted] | 37180898 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-08-25): Received Replacement cost estimator. Exception Cleared. Buyer Comment (2026-08-21): rce upld |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226080124 | [Redacted] | [Redacted] | 37187828 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to [Redacted]lue discrepancy. | Calculated loan to [Redacted]lue percentage of ___ exceeds Guideline loan to [Redacted]lue percentage of ___. | Lender exception missing in file for LTV exception at [redacted]%. Maximum LTV on cash out transaction with property [Redacted]cant is [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-18): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-14): exception aprvl upld |
08/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 226080124 | [Redacted] | [Redacted] | 37194831 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | OFAC not provided for the subject business entity. | Reviewer Comment (2026-08-18): Received OFAC search results for the subject business entity. Exception cleared. Buyer Comment (2026-08-14): [redacted] ofac upld |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226081036 | [Redacted] | [Redacted] | 37186412 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-08-18): [redacted] received rebuttal suffice Buyer Comment (2026-08-17): The app was started on [redacted] which was a [redacted]. [redacted]rd was a holiday so that does not count. The date of [redacted] is the correct date. Please clear condition. Reviewer Comment (2026-08-17): The timing for the LE under § [redacted] is [redacted] business days from application. Initial LE issued [redacted]. On this loan, the LE should have been issued within [redacted]business days of the broker application date of [redacted]. Buyer Comment (2026-08-13): Please see attached |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081116 | [Redacted] | [Redacted] | 37182745 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-08-11): Received fraud report. Exception cleared. Seller Comment (2026-08-10): FraudGuard |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226081187 | [Redacted] | [Redacted] | 37185239 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-17): [redacted] received e-consent agreement. Buyer Comment (2026-08-13): Please see attached. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226081187 | [Redacted] | [Redacted] | 37198983 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] without a [Redacted]lid COC. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-02): Please see attached. Reviewer Comment (2026-08-27): [redacted] agreed that the provided initial COC indicates appraisal fee increased. However, this does not sufficiently explain the reason for the fee increase. Please provide supporting documentation or a detailed explanation to substantiate the increase in the appraisal fee. Buyer Comment (2026-08-26): Please refer to the initial COC that I uploaded on [redacted]. This shows that the appraisal fee was listed on the COC. Please clear condition. Reviewer Comment (2026-08-21): [redacted] : When a lender issues a revised LE or CD reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to re-baseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § [redacted](e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § [redacted] were satisfied. Kindly provide a detailed reason for the nature of the property causing to increase along with a[Redacted] supporting documentation, to substantiate the fee increase and clear the exception. Buyer Comment (2026-08-20): The appraisal management compa[Redacted] advises us of the fees, we enforce them. They did not advise us of the reason for the increase, just that there was an increase. Based on this. Please clear condition. Reviewer Comment (2026-08-20): [redacted] received rebuttal, however we require additional information on nature of the property due to which fee was increased. Please provide sufficient information on what was complex about the property to re-e[Redacted]luate the exception. Buyer Comment (2026-08-18): We became aware of the change and completed the coc. They advised due the nature of the property, that the appraisal fee would have to be increased. Please clear condition. Reviewer Comment (2026-08-18): [redacted] Received rebuttal comment stating appraisal fee increased as per Appraiser request; however, this is not a [Redacted]lid reason. In order to determine if the changed circumstance is [Redacted]lid more information is necessary on reason fee increase and when lender became aware of the change. A [Redacted]lid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-08-17): Please rereview the rebuttal document. It was advised to us that the appraiser would complete the appraisal for $[redacted] . Once this was told to us, a coc was completed. They told us it was this amount. We have no choice in adding or changing this. Please clear condition. Reviewer Comment (2026-08-17): [redacted] received COC dated [redacted] with no sufficient reason. Kindly provide a [Redacted]lid reason as to why the Appraisal fee increased on LE dated [redacted] for $[redacted] or cure due to borrower. Cure documents consist of Post CD,lOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-13): Please see attached. We were advised that the appraisal fee had to be increased on [redacted], this was disclosed to the borrower on [redacted]. This was disclosed in enough time. Please clear condition. |
09/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226081515 | [Redacted] | [Redacted] | 37184827 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing verbal verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-08-17): VOE document associated. Exception cleared. Buyer Comment (2026-08-14): voe for both bwrs upld to trl docs |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226081515 | [Redacted] | [Redacted] | 37184829 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verbal verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-08-17): VOE document associated. Exception cleared. Buyer Comment (2026-08-14): voe for both bwrs upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081515 | [Redacted] | [Redacted] | 37184841 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to missing verbal verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-08-17): VOE document associated. Exception cleared. Buyer Comment (2026-08-14): voe for both bwrs upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226081515 | [Redacted] | [Redacted] | 37184842 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Missing verbal verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-08-17): VOE document associated. Exception cleared. Buyer Comment (2026-08-14): voe for both bwrs upld |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081515 | [Redacted] | [Redacted] | 37184843 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Missing verbal verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-08-17): VOE document associated. Exception cleared. Buyer Comment (2026-08-14): voe for both bwrs upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081515 | [Redacted] | [Redacted] | 37184867 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing verbal verification of employment within [redacted] business days of the Note. | Reviewer Comment (2026-08-17): VOE document associated. Exception cleared. Buyer Comment (2026-08-14): voe for both bwrs upld to trl docs |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084673 | [Redacted] | [Redacted] | 37197132 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The loan file is missing documentation of ownership for [redacted] as funds for closing were used for this entity and a CPA letter for business funds for [redacted]Associates reflecting no negative impact to the business. | Reviewer Comment (2026-08-20): Received the Operating Agreement. Exception cleared. Buyer Comment (2026-08-18): please see attached operating agreement for [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226084962 | [Redacted] | [Redacted] | 37187349 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-18): E-Sign Consent Agreement associated, Exception Cleared. Buyer Comment (2026-08-17): eConsent |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085000 | [Redacted] | [Redacted] | 37186355 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is not provided in file. | Reviewer Comment (2026-08-18): E-Sign Consent Agreement is provided in file-Exception cleared Buyer Comment (2026-08-17): eConsent |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226085000 | [Redacted] | [Redacted] | 37262951 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan estimate is not provided to borrower within [redacted] days of application (Application [redacted]) and loan estimate signed date is [redacted] | Reviewer Comment (2026-08-21): [redacted] Received supporting comments on the exception for observed federal holiday. Buyer Comment (2026-08-20): [redacted]th holiday observed on [redacted]. See disclosure tracking |
08/21/2026 | No | 1 | A | A | A | A | A | PA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226085113 | [Redacted] | [Redacted] | 37188142 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226085113 | [Redacted] | [Redacted] | 37190242 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided E-consent agreement document. | Reviewer Comment (2026-08-18): E-sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-08-14): E consent |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226085132 | [Redacted] | [Redacted] | 37187145 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226085132 | [Redacted] | [Redacted] | 37187839 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-17): Received E-Sign Consent Agreement document, information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-08-13): Disclosure Tracking |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085133 | [Redacted] | [Redacted] | 37187254 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-18): Received E-sign consent agreement, Exception cleared. Buyer Comment (2026-08-17): eConsent |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226085135 | [Redacted] | [Redacted] | 37187172 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender-calculated P&I does not match with the note document, hence there is a discrepancy in DTI. | Reviewer Comment (2026-08-27): D[Redacted] corrected, DTI within [redacted]% threshold, exception cleared Buyer Comment (2026-08-25): please advise what document you are reviewing that shows a discrepancy, our amounts appear to be correct. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085135 | [Redacted] | [Redacted] | 37187181 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI issue. | Reviewer Comment (2026-08-27): D[Redacted] corrected, DTI within [redacted]% threshold, exception cleared Buyer Comment (2026-08-25): please advise what document you are reviewing that shows a discrepancy, our amounts appear to be correct. |
08/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226085135 | [Redacted] | [Redacted] | 37187182 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank [redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | Reviewer Comment (2026-08-27): D[Redacted] corrected, DTI within [redacted]% threshold, exception cleared Buyer Comment (2026-08-25): please advise what document you are reviewing that shows a discrepancy, our amounts appear to be correct. |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085135 | [Redacted] | [Redacted] | 37187184 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [Redacted]'s Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% Tolerance exceeded for [Redacted]'s Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception Buyer Comment (2026-08-17): please cancel, this was cured at closing on final cd. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226085135 | [Redacted] | [Redacted] | 37187208 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | There is a discrepancy in P&I, hence calculated DTI is higher than the lender-calculated DTI. | Reviewer Comment (2026-08-27): D[Redacted] corrected, DTI within [redacted]% threshold, exception cleared Buyer Comment (2026-08-25): please advise what document you are reviewing that shows a discrepancy, our amounts appear to be correct. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226085135 | [Redacted] | [Redacted] | 37257786 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [Redacted]'s Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226085137 | [Redacted] | [Redacted] | 37198762 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The property is a manufactured home marked rural and has less than [redacted] sq ft which is ineligible per guidelines. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-18): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-18): Lender exception appro[Redacted]l provided for manufactured home cannot be rural or located on agricultural zonin, and the manufactured home must be at least [redacted] feet wide and have a minimum of [redacted] sqft of gla. Subject is a manufactured double wide [redacted] . Buyer Comment (2026-08-14): exception aprvl upld |
08/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226085256 | [Redacted] | [Redacted] | 37188073 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | [Redacted]riance between diligence DTI and bid tape DTI does not meet [redacted] requirements. [Redacted]riance is more than [redacted]%. | Reviewer Comment (2026-08-19): Bid tape d[Redacted] corrected as per the updated [redacted] document. Exception Cleared. Buyer Comment (2026-08-17): Please review d[Redacted] compare, we match. Please clear condition. Reviewer Comment (2026-08-13): Received the updated [redacted] is verified and associated. Correction is required in the Bid Tape for DTI, exception remains. Buyer Comment (2026-08-12): Please see attached |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226085256 | [Redacted] | [Redacted] | 37190506 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided e-sign consent agreement document. | Reviewer Comment (2026-08-13): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-08-12): Please see attached. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226088788 | [Redacted] | [Redacted] | 37188096 | Compliance | Compliance | State Compliance | State Defect | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty ([redacted]; [redacted]) - Permissive Method | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty (Prior to [redacted]): Alternate prepayment penalty testing methodology utilized under §[redacted] allowing prepays over prescribed limits (greater than [redacted] months or [redacted] months' ad[Redacted]nced interest on prepayment in excess of [redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [redacted] outside counsel given the ambiguity in the state law. Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Buyer Comment (2026-08-18): Please waive per CNR |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Pur[Redacted] | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 226090000 | [Redacted] | [Redacted] | 37199401 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | An OFAC search was not provided in the loan file for the subject business entity. | Reviewer Comment (2026-08-14): OFAC search for the subject business entity, cleared Buyer Comment (2026-08-13): OFAC |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226090000 | [Redacted] | [Redacted] | 37522842 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Refinance purpose discrepancy. | Loan refinance purpose of ___ does not match Guideline loan refinance purpose of ___. | The appro[Redacted]l reflects a cash-out transaction however borrower paid off exisitng mortgage and brought funds to closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
SitusAMC,Aggregator | Reviewer Comment (2026-09-11): Client elects to waive with comp factors. Buyer Comment (2026-09-11): Exception to clear open [redacted] grade per conversation with [redacted] |
09/11/2026 | Yes | 2 | B | B | B | B | B | ME | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 226090248 | [Redacted] | [Redacted] | 37224882 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide additional [redacted] most recent consecutive bank statements to source reserve requirement. Additional requirement may apply. | Reviewer Comment (2026-08-25): Cleared. Included appraisal invoice poc. Reviewer Comment (2026-08-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. Buyer Comment (2026-08-21): please see [redacted] and [redacted] statements on [redacted]-[redacted]and [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226090279 | [Redacted] | [Redacted] | 37191693 | Credit | Property - Appraisal | [Redacted] Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Based from [redacted] a lender exception was provided for the subject is in active market listing during appraisal and transaction. Please provide lender exception signed and dated, along with appro[Redacted]l and compensating factors. Letter of explanation from guarantor is provided in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-18): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-18): Lender exception provided for subject property is listed for sale in the last [redacted] months from [redacted] through [redacted] with an app date of [redacted]. Buyer Comment (2026-08-14): except aprvl upld |
08/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 226090279 | [Redacted] | [Redacted] | 37199205 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security instrument indicates property is a PUD, however the appraisal does not. Will need the appraisal corrected. | Reviewer Comment (2026-09-01): Received [redacted] affidavit & letter of intent stating deed of trust was recorded with a PUD Rider in error. Exception cleared. Buyer Comment (2026-08-28): [redacted] & loi upld |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226090279 | [Redacted] | [Redacted] | 37258493 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for using [redacted] with [redacted]% occupancy ratio (vs [redacted]% occupancy ration normally required). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-18): Client elects to downgrade and waive with compensating factors. |
08/18/2026 | Yes | 2 | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226092539 | [Redacted] | [Redacted] | 37187650 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing. | Reviewer Comment (2026-08-18): E-Sign Consent Agreement associated. Exception cleared. Buyer Comment (2026-08-17): proof accepted upld |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Home Improvement | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226092539 | [Redacted] | [Redacted] | 37187652 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted] threshold. The Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. | Reviewer Comment (2026-08-24): [redacted] received lender attestation that title-tax cert was one time fee and not life of loan service Buyer Comment (2026-08-21): title email confirming tax cert is [redacted]-time fee upld, please remoe from the finance charge and re-calculate. Reviewer Comment (2026-08-18): Finance Charge fees are as follows: Application - $[redacted], Extension - $[redacted], Flood Cert - $[redacted], LDP - $[redacted], Mortgage Payoff and handling fees - $[redacted], Interest - $[redacted], Title - Admin - $[redacted], Title - archive - $[redacted], Title - CPL - $[redacted], Title - courier - $[redacted], Title - E-doc - $[redacted], Title - Notice of settlement - $[redacted], Title - closing - $[redacted], Title - Tax Cert - $[redacted], Title - Wire -$[redacted]. Additionally, While [redacted]-time tax cert prior to closing is NOT a finance charge, life of loan tax service is a finance charge. There is only [redacted] tax cert fee on the CD, and we are unable to determine if this charge includes life of loan tax service, therefore, the entire amount is included as a finance charge. If tax cert fee does not include life of loan tax service and is only for [redacted]-time upfront tax service, please provide invoice or attestation noting the fee as a [redacted]-time fee or a life of loan fee in order to determine if a[Redacted] portion of the fee is excludable from finance charges. Buyer Comment (2026-08-17): please advise how you're calculating the $[redacted]. The only fee we show is a discrepancy per the final mavent is the $[redacted] tax cert fee which should not be included in the finance charge calculation. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226092539 | [Redacted] | [Redacted] | 37187653 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] by $[redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted]days of consummation prior to [redacted] review |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226092539 | [Redacted] | [Redacted] | 37187654 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% Fee Tolerance exceeded for Title - Abstract/Title Search. Fee amount of $[redacted] exceeds tolerance of $[redacted] with no [Redacted]lid change of circumstances, and no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted] received rebuttal suffice Buyer Comment (2026-08-17): please cancel, bwr shopped for fees, this is not [redacted]% tolerance |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226092539 | [Redacted] | [Redacted] | 37257854 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226092812 | [Redacted] | [Redacted] | 37193359 | Credit | Guideline | Guideline Issue | Guideline | The borrower is a Non-Permanent Resident Alien and did not meet guides. | Employment authorization in file states category is "[redacted]" and requires an [Redacted] letter detailing the applicant's status, no defined length of future residence, duration of EAD card, or length of stay of a[Redacted] adverse proceedings is required (guideline section [redacted]). Additional requirement may apply. | Reviewer Comment (2026-09-02): Received lawyer letter. Cleared. Buyer Comment (2026-08-31): mortgage ltr |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226092812 | [Redacted] | [Redacted] | 37193460 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided | Please provide fully executed HOA questionnaire on subject. | Reviewer Comment (2026-09-02): Not required. [redacted] approved. Reviewer Comment (2026-09-01): Project appro[Redacted]l reflects the condo is [redacted] Approved. Please provide Condo HOA Questionnaire for the property. Exception reamins. Buyer Comment (2026-08-31): See [redacted] Reviewer Comment (2026-08-26): Condo Certificate is required to [Redacted]lidate limited review condo. Exception remains. Buyer Comment (2026-08-24): This is a [redacted] approved project. HOA questionnaire not required |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226092824 | [Redacted] | [Redacted] | 37188410 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid change of circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-27): [redacted] received corrected PCCD and LOE moving the non lender required survey from section [redacted] to H. Buyer Comment (2026-08-25): Lender didn't require survey. Fee moved to section [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226093793 | [Redacted] | [Redacted] | 37188607 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226094824 | [Redacted] | [Redacted] | 37188879 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-17): Received E-Sign Consent Agreement document, information [Redacted]lidated. Exception Cleared. Buyer Comment (2026-08-13): Audit trail |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226094824 | [Redacted] | [Redacted] | 37188907 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Higher other monthly payments used in qualification by the lender. Lender used $[redacted] versus calculated other payment $[redacted] + $[redacted] = $[redacted]. | Reviewer Comment (2026-08-25): Received updated [redacted]. Condition cleared. Reviewer Comment (2026-08-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-24): bid tape has been updated Reviewer Comment (2026-08-17): Received updated [redacted] with correct DTI along with [redacted], but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-13): [redacted] & [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226094824 | [Redacted] | [Redacted] | 37188929 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-25): Received updated [redacted]. Condition cleared. Buyer Comment (2026-08-24): bid tape has been updated Reviewer Comment (2026-08-17): Received updated [redacted] with correct DTI along with [redacted], but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-13): see uploaded |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226094824 | [Redacted] | [Redacted] | 37188931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-25): Received updated [redacted]. Condition cleared. Buyer Comment (2026-08-24): bid tape has been updated Reviewer Comment (2026-08-17): Received updated [redacted]with correct DTI along with [redacted], but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-13): see uploaded |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226094824 | [Redacted] | [Redacted] | 37188932 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226094824 | [Redacted] | [Redacted] | 37188933 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226094824 | [Redacted] | [Redacted] | 37241429 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-08-18): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-08-17): see [redacted] pg [redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226095134 | [Redacted] | [Redacted] | 37188759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased to $[redacted] on Closing Disclosure issued on [redacted] without a [Redacted]lid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-24): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-21): pccd docs upld |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226098254 | [Redacted] | [Redacted] | 37189162 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-18): E-signed consent agreement is provided in file. Exception cleared Buyer Comment (2026-08-17): eConsent |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099048 | [Redacted] | [Redacted] | 37199775 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Reviewer Comment (2026-08-20): [redacted] received proof of earlier electronic receipt. Buyer Comment (2026-08-19): please see attached proof the [redacted] ICD was sent to the borrower on [redacted]. we complied with TRID requirements by delivering the Initial Closing Disclosure to the borrowers [redacted] days before closing |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099048 | [Redacted] | [Redacted] | 37199777 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099051 | [Redacted] | [Redacted] | 37199640 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The provided title commitment with a policy amount of $[redacted] is less than the note amount of $[redacted], based on the commitment in the file. | Reviewer Comment (2026-08-21): Received updated Title Commitment. Exception Cleared. Buyer Comment (2026-08-19): correct doc Reviewer Comment (2026-08-18): Title policy required with policy amount of $[redacted], Exception Remains. Buyer Comment (2026-08-17): title commitment |
08/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Pur[Redacted] | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099051 | [Redacted] | [Redacted] | 37199648 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Pur[Redacted] | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099052 | [Redacted] | [Redacted] | 37200234 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. The file does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-08-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-18): PCCD, LOX, Label and Check |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226099053 | [Redacted] | [Redacted] | 37200127 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a [Redacted]lid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-08-27): [redacted] received corrected PCCD and LOE with fees reconciled as per final SS. Buyer Comment (2026-08-25): PCCD and FSS showing recording fees were adjusted |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099053 | [Redacted] | [Redacted] | 37200129 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-U.S. Citizen was not found in file. | Reviewer Comment (2026-08-27): ITIN a[Redacted]ilable, exception cleared Buyer Comment (2026-08-25): [redacted] is [redacted] and [redacted] is [redacted] Buyer Comment (2026-08-25): ITINs provided |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099055 | [Redacted] | [Redacted] | 37200206 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-17): Initial dated E-sign consent is a[Redacted]ilable in file, Exception cleared. Buyer Comment (2026-08-14): audit trail |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099056 | [Redacted] | [Redacted] | 37199906 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Letter of employment is not dated within [redacted] business days of the Note date. | Reviewer Comment (2026-08-17): Loan is NonQM Buyer Comment (2026-08-14): please see email update on [redacted] and the google search on [redacted] |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099056 | [Redacted] | [Redacted] | 37199908 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank [redacted]): Unable to verify income due to, missing W-[redacted], Paystub, LES, ETS or WVOE. | Letter of employment is not dated within [redacted] business days of the Note date. | Reviewer Comment (2026-08-17): Lender provided required documentation and meets lender guides. Cleared. Buyer Comment (2026-08-14): please see email update on [redacted] and the google search on [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099056 | [Redacted] | [Redacted] | 37199909 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-08-18): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-08-17): proof econsent was accepted [redacted] upld Reviewer Comment (2026-08-17): The consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-08-14): please confirm what you are needing on this, condition states loan estimate under exception detail section, however it states waterfall for missing paystub, w2, voe documents under the exception information section |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099056 | [Redacted] | [Redacted] | 37199911 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] prior to [Redacted]lid COC dated [redacted]. Buyer Comment (2026-08-17): proof econsent was accepted [redacted] upld to trl docs Reviewer Comment (2026-08-17): [redacted] received a [Redacted]lid COC. However, we are unable to [Redacted]lidate since the e-consent is not within [redacted] business days of the application. Buyer Comment (2026-08-14): [redacted] initial lock and coc upld, le is on [redacted]. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099056 | [Redacted] | [Redacted] | 37199912 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-03): [redacted] received LOX for rebuttal response and supporting AUS document for the appraisal has been waived at the time of initial disclosures are delivered. Buyer Comment (2026-09-02): aus upld Reviewer Comment (2026-09-01): [redacted] received a Letter of Explanation supporting the [Redacted]lid rebuttal comment. However, the supporting AUS findings and PIW documentation were not found in the loan file for review. Please provide the AUS findings and/or PIW document to complete the remediation review. Buyer Comment (2026-08-31): rebuttal upld Reviewer Comment (2026-08-27): [redacted] received a Letter of Explanation outlining the change in loan program, which may be considered a [Redacted]lid reason for the addition of the appraisal fee. However, documentation is still required to demonstrate that the lender e[Redacted]luated appraisal waiver eligibility under the original loan program/product. Please provide supporting evidence. If such documentation is una[Redacted]ilable, a cure will be required. Buyer Comment (2026-08-26): rebuttal upld Reviewer Comment (2026-08-26): [redacted] received rebuttal comment and as per provided rate lock the loan program was changed on [redacted] however, file does not contain a appraisal waiver form disclosed with initial LE and also as per comment the [redacted] Confirming is not required the appraisal but no AUS report is present in the file to check if property is eligible to waiver. Please provide supporting documents/LOS snip or email confirmation to [Redacted]lidate the same or cure would be required. Buyer Comment (2026-08-24): please escalate on your end, [redacted] conforming does not require an appraisal, also, the loan was not locked on the initial le. Reviewer Comment (2026-08-24): [redacted] received rebuttal, however we require supporting to document to verify initial loan program did not required appraisal. Please provide appraisal waiver document to re-e[Redacted]luate the exception. Buyer Comment (2026-08-20): the program was [redacted] [redacted] Conforming [redacted] Yr Fixed Plus on the [redacted] initial LE, it was locked as [redacted] - [Redacted] - Full Doc [redacted] Yr Fixed (Alt-A) *BestEfforts on the [redacted] LE, The new program required the aprsl, the supporting docs were previously provided. Reviewer Comment (2026-08-18): [redacted] received COC dated [redacted] indicates program change $[redacted] appraisal fee added. However, this does not sufficiently explain the reason for the fee added. Please provide supporting documentation or a detailed explanation on what new information was received that required the add the fee and when was that information received. Otherwise, Cure is required to borrower. Buyer Comment (2026-08-17): coc upld Reviewer Comment (2026-08-17): [redacted] received COC dated [redacted] whereas the fee added on LE dated [redacted] for $[redacted]. Kindly provide a [Redacted]lid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-14): initial pricing confirm upld, loan program chenged from [redacted] [redacted] Conforming [redacted] Yr Fixed Plus to [redacted]- [Redacted] - Full Doc [redacted]Yr Fixed (Alt-A) *BestEfforts on [redacted], new program required an appraisal, coc is on [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099060 | [Redacted] | [Redacted] | 37200053 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099060 | [Redacted] | [Redacted] | 37205352 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a [Redacted]lid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided to cure all TRID violations. | Reviewer Comment (2026-08-11): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226099065 | [Redacted] | [Redacted] | 37200379 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Pur[Redacted] | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||
| 226099068 | [Redacted] | [Redacted] | 37200727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee $[redacted] was added on Closing Disclosure [redacted]. File does not contain a [Redacted]lid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-08-26): [redacted] received LOX for the survey. Buyer Comment (2026-08-25): title email upld, confirms bwr rqstd survey Reviewer Comment (2026-08-21): [redacted] is unable to determine from the file whether the lender or title compa[Redacted] requried the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-08-20): please cancel, bwr shopped for fees, they are not [redacted]% tolerance. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099088 | [Redacted] | [Redacted] | 37191899 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Secondary [Redacted]luation is not provided in file | Reviewer Comment (2026-08-21): CDA, cleared Buyer Comment (2026-08-21): CDA |
08/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | ||||||||||||||
| 226099286 | [Redacted] | [Redacted] | 37191131 | Credit | Business Purpose | [Redacted] | Business Purpose | Missing Document: Spousal Consent not provided. | - | Spousal Consent form is missing. | Reviewer Comment (2026-08-27): Spousal consent not required, exception cleared. Buyer Comment (2026-08-26): This loan is a [redacted] investment property and spouse is not required to sign or join on this transaction due to this property being an investment property. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226099320 | [Redacted] | [Redacted] | 37201535 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | There is no date provided in the Business entity document for the business [redacted]. | Reviewer Comment (2026-08-27): Provided business entity document does not have document date and provided snip is of the document uploaded date. Required Business entity listing document with the document date. Exception Remains. Buyer Comment (2026-08-25): please see attached screen shot showing business license doc [redacted] was received on [redacted], prior to closing |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099320 | [Redacted] | [Redacted] | 37201551 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | There is no date provided in the Business entity document for the business [redacted]. | Reviewer Comment (2026-08-31): Doc [redacted] provided Buyer Comment (2026-08-28): please be advised that a website printout will not contain a date. doc [redacted]is printed directly from the [redacted] Secretary of State website and uploaded screen shot doc [redacted]was to prove when we printed it |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099320 | [Redacted] | [Redacted] | 37201554 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-27): [redacted] Received [Redacted]lid COC dated [redacted] along with locks and supporting comments on the exception. Buyer Comment (2026-08-25): $[redacted] Appraisal review fee added on [redacted] LE due to program change. Please see attached prior locks dated [redacted] & [redacted] showing program change from [redacted] Fixed to [redacted] [Redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099320 | [Redacted] | [Redacted] | 37201560 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | There is no date provided in the Business entity document for the business [redacted]. | Reviewer Comment (2026-08-31): Doc [redacted] provided |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099338 | [Redacted] | [Redacted] | 37201057 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Verification of Rent is missing for the property address [redacted] | Reviewer Comment (2026-08-20): Received Payment History is verified and associated, exception cleared. Buyer Comment (2026-08-18): See [redacted] & [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099338 | [Redacted] | [Redacted] | 37206439 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-09-03): Appraisal receipt received. Exception cleared. Reviewer Comment (2026-08-20): No Documents uploaded please resend Buyer Comment (2026-08-18): See upload |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099338 | [Redacted] | [Redacted] | 37206440 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-09-03): Appraisal receipt received. Exception cleared. Buyer Comment (2026-09-01): Proof appraisal sent to borrower Reviewer Comment (2026-08-20): No Documents uploaded please resend Buyer Comment (2026-08-18): Proof appraisal sent to borrower |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099344 | [Redacted] | [Redacted] | 37201074 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Individual Loan Originator not NMLS licensed or registered at time of application. | Individual Loan Originator was not NMLS licensed or registered at the time of application. | Reviewer Comment (2026-08-27): Received revised [redacted] and [redacted] is LO at initial. [redacted] over the file and was licensed at closing and [redacted] license date per NMLS. Exception cleared. Buyer Comment (2026-08-25): [redacted] took over the file and was licensed at closing. [redacted] license date per NMLS Reviewer Comment (2026-08-20): On Final [redacted] Application, Note and Security instrument [redacted] reflecting as LO- Exception remains Buyer Comment (2026-08-19): [redacted] LO at initial |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099344 | [Redacted] | [Redacted] | 37206011 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099486 | [Redacted] | [Redacted] | 37199920 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Member Date of Birth is not required. | Reviewer Comment (2026-08-21): Date of Birth not required for managing member. Exception Cleared. Buyer Comment (2026-08-19): Not required, please waive |
08/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226099497 | [Redacted] | [Redacted] | 37205896 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for non-warrantable condo due to critical repairs and excessive delinquencies. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted]. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Loan to [Redacted]lue: [redacted]% Guideline Maximum Loan to [Redacted]lue: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-11): Client elects to waive with compensating factors. |
08/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226099672 | [Redacted] | [Redacted] | 37205715 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Reviewer Comment (2026-09-01): [redacted] received proof of receipt. Buyer Comment (2026-08-31): The disclosure tracking shows the [redacted] RCD was received on [redacted] Reviewer Comment (2026-08-26): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. Reviewer Comment (2026-08-26): [redacted] received [redacted], [redacted] & [redacted] CD's. Exception is updated to now reflect that the [redacted] CD had a change in APR over .[redacted]% that was not allowed a [redacted] business day receipt prior to closing to meeting timing. The [redacted] CD APR increased to [redacted]% from the prior[redacted] CD at [redacted]%. The [redacted] CD did not have proof of earlier receipt and the mailbox rule has the recipt date at [redacted], consummation date. Provide proof of earlier receipt if a[Redacted]ilable to meet timing requirements. Buyer Comment (2026-08-25): ICD and both RCDs Reviewer Comment (2026-08-20): Consummation took place on [redacted], which means a[Redacted] APR change must be received at least [redacted] days prior to closing or [redacted]. The [redacted] CD shows a change in APR to [redacted]% or an increase over the previous APR of .[redacted]%. Tolerance is .[redacted]%. Timing does not appear to have been met. Please provide a[Redacted] interim CDs that may have a bearing on this issue. Buyer Comment (2026-08-19): Disclosure Tracking |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226099672 | [Redacted] | [Redacted] | 37205717 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099672 | [Redacted] | [Redacted] | 37205718 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [Redacted]'s Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226100675 | [Redacted] | [Redacted] | 37289006 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy - PPP | Reviewer Comment (2026-08-21): No new document received. Per a[Redacted]ilable prepayment rider and prepayment Note addendum, prepayment penalty period is [redacted]months. Exception cleared. Buyer Comment (2026-08-19): [redacted] respectfully disagrees with [redacted] [redacted] Designation. Please review [redacted] Rider ([redacted], [redacted]) and update [redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | TN | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226100974 | [Redacted] | [Redacted] | 37206607 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Bank statement income calculated from latest bank statements. | Reviewer Comment (2026-09-01): Cleared. Updated income to include net proceeds from sale of real estate for asset depletion income. Buyer Comment (2026-08-31): we used the proceeds from the sale of the borrowers home as passive income and it looks like you are missing this from your income calculations. if you add in DTI should be under [redacted]% Reviewer Comment (2026-08-25): Updated [redacted] and [redacted] are required for borrowers [redacted] and [redacted], as the documents received do not belong to these borrowers. Exception Remains. Buyer Comment (2026-08-24): [redacted] & [redacted] |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226100974 | [Redacted] | [Redacted] | 37206608 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Bank statement income calculated from latest bank statements. | Reviewer Comment (2026-09-01): Cleared. Updated income to include net proceeds from sale of real estate for asset depletion income. Buyer Comment (2026-08-31): we used the proceeds from the sale of the borrowers home as passive income and it looks like you are missing this from your income calculations. if you add in DTI should be under [redacted]% Reviewer Comment (2026-08-25): Updated [redacted] and [redacted] are required for borrowers [redacted] and [redacted], as the documents received do not belong to these borrowers. Exception Remains. Buyer Comment (2026-08-24): [redacted] & [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226100974 | [Redacted] | [Redacted] | 37206662 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Bank statement income calculated from latest bank statements. | Reviewer Comment (2026-09-01): Cleared. Updated income to include net proceeds from sale of real estate for asset depletion. Buyer Comment (2026-08-31): we used the proceeds from the sale of the borrowers home as passive income and it looks like you are missing this from your income calculations. if you add in DTI should be under [redacted]% Reviewer Comment (2026-08-25): Updated [redacted] and [redacted] are required for borrowers [redacted] and [redacted], as the documents received do not belong to these borrowers. Exception Remains. Buyer Comment (2026-08-24): [redacted] & [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226100974 | [Redacted] | [Redacted] | 37208150 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Please provide additional asset to support income. | Reviewer Comment (2026-09-01): Cleared. Updated income to include net proceeds from sale of real estate for asset depletion income. Buyer Comment (2026-08-31): we used the proceeds from the sale of the borrowers home as passive income and it looks like you are missing this from your income calculations. if you add in DTI should be under [redacted]% Reviewer Comment (2026-08-25): Updated [redacted] and [redacted] are required for borrowers [redacted] and [redacted], as the documents received do not belong to these borrowers. Exception Remains. Buyer Comment (2026-08-24): [redacted] & [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226100974 | [Redacted] | [Redacted] | 37208153 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Bank statement income calculated from latest bank statements. | Reviewer Comment (2026-09-01): Cleared. Updated income to include net proceeds from sale of real estate for asset depletion income. Buyer Comment (2026-08-31): we used the proceeds from the sale of the borrowers home as passive income and it looks like you are missing this from your income calculations. if you add in DTI should be under [redacted]% Reviewer Comment (2026-08-25): Updated [redacted] and [redacted] are required for borrowers [redacted] and [redacted], as the documents received do not belong to these borrowers. Exception Remains. Buyer Comment (2026-08-24): [redacted] & [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226100974 | [Redacted] | [Redacted] | 37243354 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226100974 | [Redacted] | [Redacted] | 37243355 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226101133 | [Redacted] | [Redacted] | 37206208 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate is dated [redacted], and the application date is [redacted]. | Reviewer Comment (2026-08-20): [redacted] received rebuttal and disclosure summary Buyer Comment (2026-08-19): Application date [redacted], previous was TBD |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226101456 | [Redacted] | [Redacted] | 37199654 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is missing in the file. | Reviewer Comment (2026-08-20): Patriot Act Information forms received, cleared Buyer Comment (2026-08-19): ID docs |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226101556 | [Redacted] | [Redacted] | 37211174 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | DTI discrepancy due to Lender not considering debt obligation for departing residence. Appraisal missing in file to allow exclusion and final [redacted] indicates property is to be retained. | Reviewer Comment (2026-08-28): Received required documentation. Condition cleared. Buyer Comment (2026-08-27): please refer to section [redacted] of the guides: Properties under Non-Contingent contract, the DTI/debt service can be calculated excluding the prior housing expenses (PITIA) if an additional [redacted] months of PITIA for the home to be sold is verified. Reviewer Comment (2026-08-27): Provide a full or exterior only appraisal, AVM, or BPO evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property as required to exclude the expense for the departing residence, exception remains. Buyer Comment (2026-08-25): property is owned free & clear, see [redacted] Reviewer Comment (2026-08-25): Please provide a full or exterior only appraisal, AVM, or BPO evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property as required to exclude the expense for the departing residence. Buyer Comment (2026-08-21): sales contract is on [redacted] |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226101556 | [Redacted] | [Redacted] | 37211194 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-28): Received required documentation. Condition cleared. Buyer Comment (2026-08-27): please refer to section [redacted] of the guides: Properties under Non-Contingent contract, the DTI/debt service can be calculated excluding the prior housing expenses (PITIA) if an additional [redacted] months of PITIA for the home to be sold is verified. Reviewer Comment (2026-08-27): Provide a full or exterior only appraisal, AVM, or BPO evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property as required to exclude the expense for the departing residence, exception remains. Buyer Comment (2026-08-25): property is owned free & clear, see [redacted] Reviewer Comment (2026-08-25): Please provide a full or exterior only appraisal, AVM, or BPO evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property as required to exclude the expense for the departing residence. Buyer Comment (2026-08-21): sales contract is on [redacted] |
08/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226101556 | [Redacted] | [Redacted] | 37211195 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-28): Received required documentation. Condition cleared. Buyer Comment (2026-08-27): please refer to section [redacted] of the guides: Properties under Non-Contingent contract, the DTI/debt service can be calculated excluding the prior housing expenses (PITIA) if an additional [redacted] months of PITIA for the home to be sold is verified. Reviewer Comment (2026-08-27): Provide a full or exterior only appraisal, AVM, or BPO evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property as required to exclude the expense for the departing residence, exception remains. Buyer Comment (2026-08-25): property is owned free & clear, see [redacted] Reviewer Comment (2026-08-25): Please provide a full or exterior only appraisal, AVM, or BPO evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property as required to exclude the expense for the departing residence. Buyer Comment (2026-08-21): sales contract is on [redacted] |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226101558 | [Redacted] | [Redacted] | 37213527 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded due to Title- Settlement/ closing/ escrow fee being disclosed as $[redacted] om final LE, and then as $[redacted] on final CD. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-27): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-26): PCCD with cure. Sent out today |
08/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226101559 | [Redacted] | [Redacted] | 37269423 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226101801 | [Redacted] | [Redacted] | 37210442 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-08-25): Received Final Closing statement. Exception Cleared. Buyer Comment (2026-08-21): final ss upld |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226102004 | [Redacted] | [Redacted] | 37209009 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-08-17): Received Lender correspondence which states policy carries [redacted]% replacement cost. Exception Cleared. Seller Comment (2026-08-13): [redacted]% replacement cost as per email from agent |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226102004 | [Redacted] | [Redacted] | 37209012 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check is missing in the file. | Reviewer Comment (2026-08-17): Received Background Report. Exception Cleared. Seller Comment (2026-08-13): Fraud |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226102004 | [Redacted] | [Redacted] | 37209013 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in the file. | Reviewer Comment (2026-08-17): Received Fraud Report. Exception Cleared. Seller Comment (2026-08-13): Fraud |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226102004 | [Redacted] | [Redacted] | 37209014 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC is missing in the file. | Reviewer Comment (2026-08-17): Received OFAC. Exception Cleared. Seller Comment (2026-08-13): Search |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226102004 | [Redacted] | [Redacted] | 37209015 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Prepayment Rider is missing in the file. | Reviewer Comment (2026-08-17): Received Rider Prepayment. Exception Cleared. Seller Comment (2026-08-13): Rider |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226102004 | [Redacted] | [Redacted] | 37241195 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not provided | Reviewer Comment (2026-08-19): Received Note Addendum - Prepayment for the subject property. [Redacted]lue updated and Exception cleared. Seller Comment (2026-08-17): addendum |
08/19/2026 | No | 1 | A | A | A | A | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | Yes | |||||||||||||||||||
| 226102013 | [Redacted] | [Redacted] | 37210092 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-12): Sufficient Cure Provided At Closing |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226102080 | [Redacted] | [Redacted] | 37209902 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-27): CDA provided, exception cleared. Buyer Comment (2026-08-27): cda upld Reviewer Comment (2026-08-24): Loan is to be securitized. . Secondary [Redacted]luation from subject transaction is missing Unable to waive Buyer Comment (2026-08-20): please cancel, this is a [redacted] SIGNATURE AGENCY CONFORMING, no cda required. |
08/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Pur[Redacted] | D | A | A | A | A | A | D | A | Non QM | N/A | No | ||||||||||||
| 226120344 | [Redacted] | [Redacted] | 37213938 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-12): Sufficient Cure Provided At Closing |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226120344 | [Redacted] | [Redacted] | 37213939 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-12): Sufficient Cure Provided At Closing |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226120815 | [Redacted] | [Redacted] | 37218739 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No [Redacted]lid Change of Circumstance (COC) in file for fees added in Closing Disclosure. | Reviewer Comment (2026-08-24): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-21): PCCD, LOX, Label and Check |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226120815 | [Redacted] | [Redacted] | 37218740 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee in Loan Estimate is $[redacted] and Closing Disclosure reflects $[redacted]. No [Redacted]lid Change of Circumstance (COC) in file. | Reviewer Comment (2026-08-19): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-18): the cure is on the final cd for this |
08/19/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226120815 | [Redacted] | [Redacted] | 37218741 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee in Loan Estimate is $[redacted] and Closing Disclosure reflects $[redacted]. No [Redacted]lid Change of Circumstance (COC) in file. | Reviewer Comment (2026-08-19): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-08-18): the cure is on the final cd |
08/19/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226120823 | [Redacted] | [Redacted] | 37218557 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal re-inspection fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226120828 | [Redacted] | [Redacted] | 37219238 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for borrower #[redacted] housing history. Per terms of divorce decree and mediated marital settlement agreement. Marital residence was awarded to ex-spouse to have exclusive use and possession, and husband was ordered to make all payments on time as of [redacted]. All mortgage lates after this date were confirmed by court order and credit report. Missing evidence of exception appro[Redacted]l. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-18): Please see attached. |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226121028 | [Redacted] | [Redacted] | 37218175 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure was not found in this loan file. | Reviewer Comment (2026-08-31): Settlement statement, cleared Buyer Comment (2026-08-28): FSS |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226121028 | [Redacted] | [Redacted] | 37221429 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted] indicates a lender exception was made. The lender exception form, appro[Redacted]l and compensating factors was not located. | Reviewer Comment (2026-08-31): Lender Exception, cleared Buyer Comment (2026-08-28): exception |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226121028 | [Redacted] | [Redacted] | 37415861 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for subject property being held in a [redacted][redacted]. Comp factors - [redacted] experience, [redacted] FICO, minimal consumer debt | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-31): Lender exception approved |
08/31/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| 226121826 | [Redacted] | [Redacted] | 37222566 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Schedule B, part II # [redacted] reflects an HOA association lien. Evidence is required from title compa[Redacted] lien is paid and satisfied. | Reviewer Comment (2026-08-26): HOA lien shows paid by the seller on the closing statement. Buyer Comment (2026-08-24): Please see attached signed settlement statement showing paid items to HOA on page [redacted] of [redacted]: [redacted] HOA Special Assessment; [redacted] Disclosure; [redacted] HOA Special Assessment [Redacted]ing. Also sending you the HOA letter and the final ledger showing checks issued to the HOA |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226122012 | [Redacted] | [Redacted] | 37219193 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-25): Proof of E-Sign Consent has been received and reviewed. Exception cleared. Buyer Comment (2026-08-21): proof econsent accepted upld |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226122078 | [Redacted] | [Redacted] | 37222612 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Explanation Letter not provided | Provide signed and dated letter of explanation on large deposit $[redacted] on [redacted] in [redacted] account [redacted] [redacted] with source of large deposit. Additional requirement may apply. | Reviewer Comment (2026-08-25): Cleared. Buyer Comment (2026-08-24): rebuttal upld |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226124326 | [Redacted] | [Redacted] | 37224119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit; no cure was provided. | Reviewer Comment (2026-08-26): [redacted] received CD and COC Buyer Comment (2026-08-24): Lock expired so an extension was added |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124642 | [Redacted] | [Redacted] | 37225324 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226124680 | [Redacted] | [Redacted] | 37247293 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The loan file is missing an OFAC for the business entity. | Reviewer Comment (2026-08-27): OFAC search provided, exception cleared. Buyer Comment (2026-08-26): please see attached OFAC search |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226124824 | [Redacted] | [Redacted] | 37235968 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condo due to excessive commercial space is approved. Per disposition, max [redacted]% LTV, subject to [redacted] per rate sheet. Subject to meeting all other [Redacted] guidelines. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): Lender Exception with Compensating Factors provided. |
08/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Pur[Redacted] | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226124831 | [Redacted] | [Redacted] | 37226225 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-24): [redacted] received a [Redacted]lid COC. Buyer Comment (2026-08-21): Program changed which changed pricing |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124845 | [Redacted] | [Redacted] | 37229980 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] E reflects judgment with outstanding balances in the amount of $[redacted]. HUD [redacted] does not reflect pay off judgment. Please provide evidence the judgment have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-25): Received email confirmation from the title compa[Redacted] stating that the judgment(s) reflected on title are against a prior owner and do not affect the title. Exception Cleared. Buyer Comment (2026-08-24): Title confirmation of judgement |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226124846 | [Redacted] | [Redacted] | 37237283 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | It appears a lender exception was approved for this loan, however the complete exception form, appro[Redacted]l and comp factors is missing. | Reviewer Comment (2026-08-26): Lender Exception, cleared Buyer Comment (2026-08-25): exception |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226124846 | [Redacted] | [Redacted] | 37373433 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for first time investor on a DSCR product. Comp factors - FICO [redacted]+ points above requirement | Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-08-26): Lender exception approved |
08/26/2026 | Yes | 2 | B | B | B | B | B | NC | Investment | Pur[Redacted] | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| 226124847 | [Redacted] | [Redacted] | 37229771 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | DSCR discrepancy due to Lender utilizing a higher market rent than reflected on source document to qualify borrower. | Reviewer Comment (2026-09-02): Bid updated to DSCR [redacted]. Exception cleared. Buyer Comment (2026-08-31): Bid tape should be updated Reviewer Comment (2026-08-20): Bid tape d[Redacted] need to update to reflect DSCR [redacted]. Exception remains. Buyer Comment (2026-08-18): [redacted] has updated Bid tape to reflect [redacted] $[redacted]/ $[redacted]= [redacted]~ [redacted] |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226124855 | [Redacted] | [Redacted] | 37226002 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender exception for the IRS tax lien is missing from the loan file. Lender exception approved for IRS tax lien to remain open on title and is not currently on a repayment plan. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-27): Received evidence from title compa[Redacted] lien will not affect title. Client elects to waive with compensating factors. Buyer Comment (2026-08-26): email from title compa[Redacted] that confirms that $[redacted]tax lien was not listed on title as it was not attached to property. Reviewer Comment (2026-08-24): Reviewed email from title compa[Redacted] which stated the tax lien for $[redacted]was to be paid at closing which it was not. File requires that the title compa[Redacted] confirm the tax lien for $[redacted]which was not paid off will not affect the subject lien in no way. Buyer Comment (2026-08-20): Provided title confirmation emails regarding tax liens not to remain on title Reviewer Comment (2026-08-20): Received lenders exception appro[Redacted]l, however part of that appro[Redacted]l required the title compa[Redacted] to confirm the IRS tax lien will not have priority over the subject lien and confirm it will not be listed as an exception on the final title. This was not located in the file. Buyer Comment (2026-08-19): Lender exception for approved IRS tax lien uploaded. |
08/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226124855 | [Redacted] | [Redacted] | 37247585 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The loan file is missing an OFAC for the business entity. | Reviewer Comment (2026-08-20): OFAC provided. Exception cleared. Buyer Comment (2026-08-19): OFAC search performed on [Redacted] [redacted]using [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226124857 | [Redacted] | [Redacted] | 37225847 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was not disclosed on Loan Estimate. File does not contain a [Redacted]lid Change of Circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124857 | [Redacted] | [Redacted] | 37225848 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid Change of Circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124865 | [Redacted] | [Redacted] | 37226555 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document is missing in the file. | Reviewer Comment (2026-08-24): Received HOA Verification in file .Exception Cleared. Buyer Comment (2026-08-20): see [redacted] |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226124865 | [Redacted] | [Redacted] | 37226588 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. | Reviewer Comment (2026-08-24): [redacted] received attestation on services for the title-title services lender fee related to running title, copies & prep the commitment. Buyer Comment (2026-08-21): see attached and remove the title service charge from your apr caculations |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Second Home | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124865 | [Redacted] | [Redacted] | 37226589 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Second Home | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226124941 | [Redacted] | [Redacted] | 37226058 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for landlord history. Missing lender exception appro[Redacted]l in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-26): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-26): Lender excepiton provided for [redacted]month's landlord excperience (vs. [redacted] guideline requirement). Buyer Comment (2026-08-24): Exception |
08/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226124943 | [Redacted] | [Redacted] | 37226284 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The final closing disclosure file does not contain a [Redacted]lid Change of Circumstance for this fee. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124948 | [Redacted] | [Redacted] | 37226561 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124948 | [Redacted] | [Redacted] | 37226562 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee increased to $[redacted] without a [Redacted]lid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124948 | [Redacted] | [Redacted] | 37234176 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] and #[redacted] reflects mortgages with outstanding balances in the amount of $[redacted] and $[redacted]. HUD [redacted] does not reflect payoff of mortgage liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-25): Received correspondence from the title compa[Redacted] confirming that lien #[redacted] were both released at closing. Exception cleared. Buyer Comment (2026-08-21): email from title |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226125110 | [Redacted] | [Redacted] | 37227241 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | The file is missing a copy of the Permanent Residential Alien Card. | Reviewer Comment (2026-08-20): Received Permanent Resident Alien Card for borrower. Exception cleared. Buyer Comment (2026-08-19): Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226125110 | [Redacted] | [Redacted] | 37227248 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | The file is missing a copy of the Permanent Residential Alien Card. | Reviewer Comment (2026-08-20): Received Permanent Resident Alien Card for borrower. Exception cleared. Buyer Comment (2026-08-19): Waterfall |
08/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226125110 | [Redacted] | [Redacted] | 37227249 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | The file is missing a copy of the Permanent Residential Alien Card. | Reviewer Comment (2026-08-20): Received Permanent Resident Alien Card for borrower. Exception cleared. Buyer Comment (2026-08-19): Waterfall |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226126510 | [Redacted] | [Redacted] | 37227926 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-08-27): E consent provided, exception cleared. Buyer Comment (2026-08-27): Uploaded eConsent Agreement. Please review for clearance. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226126606 | [Redacted] | [Redacted] | 37230067 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Reviewer Comment (2026-08-19): Subject was rented short Term and [Redacted] is a[Redacted]ilable in file to verify income. 1007 not mandate for the Property. Exception cleared. Buyer Comment (2026-08-17): In lieu of the 1007 please use the [Redacted] analysis to calculate the rents, |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226129079 | [Redacted] | [Redacted] | 37231144 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-25): Cleared. Received desk review. Buyer Comment (2026-08-21): please cancel the appraisal is on [redacted], cda is on [redacted] |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NM | Investment | Pur[Redacted] | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 226129215 | [Redacted] | [Redacted] | 37227698 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. There is no cure or cure letter in file. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129494 | [Redacted] | [Redacted] | 37227040 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-08-20): Hazard Insurance Policy, cleared Buyer Comment (2026-08-20): HOI |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226129516 | [Redacted] | [Redacted] | 37226696 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-20): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-08-20): SSR |
08/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 226129516 | [Redacted] | [Redacted] | 37226738 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided in this loan file | Reviewer Comment (2026-08-20): Hazard Insurance Policy, cleared Buyer Comment (2026-08-20): HOI |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226129732 | [Redacted] | [Redacted] | 37235605 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-27): Received Final Title Policy with correct amount. Exception cleared. |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129732 | [Redacted] | [Redacted] | 37235635 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-08-27): Received Final Title Policy with correct amount. Exception cleared. Buyer Comment (2026-08-25): Title |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129732 | [Redacted] | [Redacted] | 37251954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The provided CPA letter to verify the Borrower's self-employed income is not dated. | Reviewer Comment (2026-08-27): Certificate of Completion for E-signed is provided for CPA letter. Exception cleared. |
08/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129732 | [Redacted] | [Redacted] | 37251955 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The provided CPA letter to verify the Borrower's self-employed income is not dated. | Reviewer Comment (2026-08-27): Certificate of Completion for E-signed is provided for CPA letter. Exception cleared. Buyer Comment (2026-08-25): CPA letter |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129732 | [Redacted] | [Redacted] | 37251956 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The provided CPA letter to verify the Borrower's self-employed income is not dated. | Reviewer Comment (2026-08-27): Certificate of Completion for E-signed is provided for CPA letter. Exception cleared. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129732 | [Redacted] | [Redacted] | 37252014 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The provided CPA letter to verify the Borrower's self-employed income is not dated. | Reviewer Comment (2026-08-27): Certificate of Completion for E-signed is provided for CPA letter. Exception cleared. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129732 | [Redacted] | [Redacted] | 37252021 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The provided CPA letter to verify the Borrower's self-employed income is not dated. | Reviewer Comment (2026-08-27): Certificate of Completion for E-signed is provided for CPA letter. Exception cleared. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129733 | [Redacted] | [Redacted] | 37238835 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129737 | [Redacted] | [Redacted] | 37238529 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-01): Received E-sign consent document. Exception cleared. Buyer Comment (2026-08-28): Proof of E-sign Agreement uploaded. Please review for clearance. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129737 | [Redacted] | [Redacted] | 37238533 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-09-01): Received Hazard Insurance Policy, updated policy details. Exception cleared. Buyer Comment (2026-08-28): Hazard Insurance Dec Page uploaded. Please review for clearance. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129737 | [Redacted] | [Redacted] | 37238534 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-09-01): Re[Redacted]lidated ITIN/[redacted] citizenship documentation. Supporting documents reviewed. Exception cleared. Buyer Comment (2026-08-28): Section [redacted]of the guidelines state ITIN/[redacted] program borrowers do not req Citizenship documentation. Required eligibility docs were provided in file as follows: CPA Letter ( [redacted]), ITIN ([redacted], Driver's License ([redacted], Bank Statements ([redacted]). Please review for clearance. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129737 | [Redacted] | [Redacted] | 37238553 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | [redacted] Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | Reviewer Comment (2026-09-01): Re[Redacted]lidated [redacted] MBLR ATR analysis. Ability to repay was assessed using verified income, assets, liabilities, and applicable payment terms. Exception cleared. Buyer Comment (2026-08-28): Please clarify what is needed for clearance. |
09/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Pur[Redacted] | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226130039 | [Redacted] | [Redacted] | 37239015 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-02): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-08-31): econsent |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226130039 | [Redacted] | [Redacted] | 37239017 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Application date [redacted]; Loan Estimate provided [redacted]. | Reviewer Comment (2026-09-01): [redacted] Received copy of Initial LE dated [redacted]. Buyer Comment (2026-08-31): Initial LE |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130039 | [Redacted] | [Redacted] | 37239019 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. Insufficient cure provided. No [Redacted]lid changed circumstance. | Reviewer Comment (2026-08-15): Sufficient Cure Provided At Closing |
08/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226130044 | [Redacted] | [Redacted] | 37236242 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-08-25): Email from the insurance agent confirms [redacted][redacted] Replacement Cost Coverage. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-24): please see endorsement on [redacted], page [redacted] adding rc to policy and teh policy on [redacted], page [redacted]reflecting rc, there is also an email from agent on [redacted]confirming [redacted]redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226130044 | [Redacted] | [Redacted] | 37263004 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | As shown on the title, vesting does not match the borrowing entity. Please provide a copy of the deed or title supporting the vesting has been corrected. | Reviewer Comment (2026-08-31): Received deed. Cleared. Buyer Comment (2026-08-27): please clear, the deed provided is going from [redacted] to [redacted] Reviewer Comment (2026-08-25): The deed provided conveys title to [redacted], and the title commitment reflects vesting in [redacted]. Since the borrowing entity is [redacted], the vesting does not match the borrower. Require evidence that title has been transferred back to [redacted] or provide title documentation supporting that the vesting has been corrected. Exception Remains. Buyer Comment (2026-08-24): deed upld |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226130045 | [Redacted] | [Redacted] | 37238797 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. Buyer Comment (2026-09-01): See upload |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130045 | [Redacted] | [Redacted] | 37238798 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. Buyer Comment (2026-09-01): re-verified [redacted]. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130045 | [Redacted] | [Redacted] | 37238802 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. Buyer Comment (2026-09-01): See upload |
09/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226130045 | [Redacted] | [Redacted] | 37238803 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] Ability To Repay Provision Employment - [redacted] -[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | ATR failure due to missing income documentation: Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. Buyer Comment (2026-09-01): See upload |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130045 | [Redacted] | [Redacted] | 37238804 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): [Redacted] Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130045 | [Redacted] | [Redacted] | 37238805 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate was provided on [redacted], while the application date is shown as [redacted]. | Reviewer Comment (2026-09-02): [redacted] received initial LE. Buyer Comment (2026-09-01): Initial LE Reviewer Comment (2026-08-31): [redacted] received initial LE dated [redacted] but the page #[redacted]of LE is missing. Please provide all pages of LE to re-e[Redacted]luate the exception. Buyer Comment (2026-08-28): Initial LE |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130045 | [Redacted] | [Redacted] | 37238807 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-31): [redacted] received initial LE. Buyer Comment (2026-08-28): Rate was locked on [redacted] and Revised LE sent on [redacted]. See initial lock [redacted]and [redacted] |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226130045 | [Redacted] | [Redacted] | 37238808 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee was first disclosed as $[redacted] on the initial LE and then as $[redacted] on final CD. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-31): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-28): Already cured on Final CD Section [redacted] pg [redacted]. Credit Report $[redacted](Final CD) - $[redacted](Initial LE) = $[redacted]. LEs don't show cents. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226130045 | [Redacted] | [Redacted] | 37238809 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search Fee was not disclosed on Loan Estimate. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-31): [redacted] received initial LE. Buyer Comment (2026-08-28): See [redacted] Service Provider List. This title compa[Redacted] was shopped by the borrower and has unlimited tolerance. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226130045 | [Redacted] | [Redacted] | 37238810 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Wire / Funding / Disbursement Fee was not disclosed on Loan Estimate. No [Redacted]lid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-31): [redacted] received initial LE. Buyer Comment (2026-08-28): See [redacted] Service Provider List. This title compa[Redacted] was shopped by the borrower and has unlimited tolerance. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226130045 | [Redacted] | [Redacted] | 37238819 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation: Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. Buyer Comment (2026-09-01): See upload |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130045 | [Redacted] | [Redacted] | 37239153 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. Buyer Comment (2026-09-01): See upload |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226130045 | [Redacted] | [Redacted] | 37239154 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Verbal verification of employment not provided in file. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. Buyer Comment (2026-09-01): See upload |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130045 | [Redacted] | [Redacted] | 37411339 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | MI | Second Home | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226130045 | [Redacted] | [Redacted] | 37439609 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-09-02): Cleared. Received correspondence from employer re[Redacted]lidating employment verification. |
09/02/2026 | No | 1 | A | A | A | A | A | MI | Second Home | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226130770 | [Redacted] | [Redacted] | 37239318 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection fee of $[redacted] not disclosed to borrower until final Closing Disclosure. No [Redacted]lid change in circumstance or cure provided. | Reviewer Comment (2026-09-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-02): PCCD with cure, sent out today |
09/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226131269 | [Redacted] | [Redacted] | 37239705 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final Closing Statement was not found in file. | Reviewer Comment (2026-08-24): Received Final Settlement Statement true and certified copy. [Redacted]lue updated and Exception Cleared. Buyer Comment (2026-08-20): final settlement |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226131330 | [Redacted] | [Redacted] | 37238739 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-08-27): Lender condo cert appro[Redacted]l provided, exception cleared. Buyer Comment (2026-08-27): [redacted]is the certificate |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226131618 | [Redacted] | [Redacted] | 37240756 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Statement was not found in file. | Reviewer Comment (2026-08-31): Received ALTA Final Settlement Statement true and certified copy. [Redacted]lue updated and Exception Cleared. Buyer Comment (2026-08-27): please see attached ALTA |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226135239 | [Redacted] | [Redacted] | 37239484 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance charges understated by $[redacted]. It appears lender did not include $[redacted] Title - Tax Certificate Fee as finance charge. | Reviewer Comment (2026-08-27): [redacted] received a LOE. Buyer Comment (2026-08-26): title email confirming tax cert is one time fee upld, lease remove it from your finance charge calc. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135239 | [Redacted] | [Redacted] | 37239485 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee added in Closing Disclosure and [Redacted]lid coc in file related to this fee. | Reviewer Comment (2026-08-25): [redacted] received updated CD and [Redacted]lid changed circumstance. Buyer Comment (2026-08-24): lock and [redacted]cd and tracking upld, the coc is on [redacted], we disclosed $[redacted] Buyer Comment (2026-08-24): lock and [redacted] cd and tracking upld, the coc is on [redacted], we disclosed $[redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135249 | [Redacted] | [Redacted] | 37248439 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Reviewer Comment (2026-08-24): Appraisal transfer letter present in the file, Exception Cleared. Buyer Comment (2026-08-20): please clarify if a[Redacted]thing is needed for this |
08/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Pur[Redacted] | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226135249 | [Redacted] | [Redacted] | 37248442 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226135254 | [Redacted] | [Redacted] | 37245779 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid change of circumstance provided for increase to Appraisal Fee. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135267 | [Redacted] | [Redacted] | 37251475 | Credit | Property - Appraisal | [Redacted] Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the [Redacted]luation reflects that the subject property is [Redacted]cant. Unable to verify occupancy. | - | Current Transaction is Primary Refinance however; Appraisal is Showing Property is [Redacted]cant. | Reviewer Comment (2026-09-02): Received appraisal with occupancy as owner occupied. Exception Cleared. Buyer Comment (2026-08-31): Revised Appraisal uploaded. Please review for clearance. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226135269 | [Redacted] | [Redacted] | 37246112 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No Cure provided. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135269 | [Redacted] | [Redacted] | 37246113 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No Cure provided. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135269 | [Redacted] | [Redacted] | 37246114 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [Redacted]'s Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for [Redacted]'s Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No Cure provided. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135293 | [Redacted] | [Redacted] | 37254799 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | CPA Letter issue date is missing. | Reviewer Comment (2026-08-28): Received CPA Letter dated [redacted]. Exception cleared Buyer Comment (2026-08-27): dated cpa letter upld |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226135293 | [Redacted] | [Redacted] | 37254839 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to provided CPA letter missing issue date. | Reviewer Comment (2026-08-28): Received CPA Letter dated [redacted]. Exception cleared Buyer Comment (2026-08-27): dated cpa letter upld to trl docs |
08/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135293 | [Redacted] | [Redacted] | 37254840 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to provided CPA letter missing issue date. | Reviewer Comment (2026-08-28): Received CPA Letter dated [redacted]. Exception cleared Buyer Comment (2026-08-27): dated cpa letter upld to trl docs |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226135293 | [Redacted] | [Redacted] | 37267399 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA letter issue date is missing. | Reviewer Comment (2026-08-28): Received CPA Letter dated [redacted]. Exception cleared Buyer Comment (2026-08-27): dated cpa letter upld to trl docs |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226135293 | [Redacted] | [Redacted] | 37267415 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | CPA letter issue date is missing. | Reviewer Comment (2026-08-28): Received CPA Letter dated [redacted]. Exception cleared Buyer Comment (2026-08-27): dated cpa letter upld to trl docs |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226135623 | [Redacted] | [Redacted] | 37265224 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135624 | [Redacted] | [Redacted] | 37250938 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135624 | [Redacted] | [Redacted] | 37250939 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135624 | [Redacted] | [Redacted] | 37250940 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No [Redacted]lid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Pur[Redacted] | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226135624 | [Redacted] | [Redacted] | 37260437 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to allow exclusion of Departing Residence PITIA with only [redacted]% equity. Guidelines require [redacted]%. Lender Exception document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-24): Client elects to waive with compensating factors. Buyer Comment (2026-08-20): exception |
08/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226135624 | [Redacted] | [Redacted] | 37329436 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for use of gift funds for reserves. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-24): Client elects to waive with compensating factors. |
08/24/2026 | Yes | 2 | B | B | B | B | B | PA | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 226135641 | [Redacted] | [Redacted] | 37239273 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Signed and dated final HUD/Closing disclosure was missing. | Reviewer Comment (2026-08-31): Received ALTA Final Settlement Statement true and certified copy. [Redacted]lue updated and Exception Cleared. Buyer Comment (2026-08-27): final alta attached |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226136819 | [Redacted] | [Redacted] | 37261993 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender approved exception for P&L program at current FICO not provided. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-31): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-31): Lender exception appro[Redacted]l provided to permit a [redacted]credi score - P&L Only. Buyer Comment (2026-08-27): exception appro[Redacted]l |
08/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226136819 | [Redacted] | [Redacted] | 37412688 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided to permit a majority of income coming from [redacted] opposed to P&L. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equi[Redacted]lent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-31): Client elects to downgrade and waive with compensating factors. |
08/31/2026 | Yes | 2 | B | B | B | B | B | CT | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 226138010 | [Redacted] | [Redacted] | 37254639 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Application date was [redacted] and Loan Estimate was issued [redacted]. | Reviewer Comment (2026-08-26): Application date changed to [redacted]. Buyer Comment (2026-08-24): please see application on [redacted], the true application date is [redacted], the previous application was incomplete with a TBD address. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226138010 | [Redacted] | [Redacted] | 37254641 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226139037 | [Redacted] | [Redacted] | 37254661 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% | Buyer Comment (2026-08-21): Approved waiver list |
08/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Pur[Redacted] | No obvious cure | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| 226139037 | [Redacted] | [Redacted] | 37264739 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted]. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-25): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-21): there is an exception to allow |
08/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Pur[Redacted] | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||
| 226139049 | [Redacted] | [Redacted] | 37254544 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Missing executed final HUD/Closing Disclosure in file. | Reviewer Comment (2026-08-31): Final settlement statement, cleared Buyer Comment (2026-08-28): FSS |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226139050 | [Redacted] | [Redacted] | 37289108 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Per lender guidelines, the most recent [redacted] month mortgage pay history is required for the subject and primary residence. The application does not reflect the borrower's primary. Does not indicate if there is a mortgage or not. Please provide clarification. Otherwise, the most recent [redacted] month pay history will be required. | Reviewer Comment (2026-09-03): The credit report verifies a satisfactory [redacted] mortgage payment history. Exception Cleared. Buyer Comment (2026-09-01): [redacted] residence have only HELOC loans, [Redacted] doc [redacted]and [Redacted] [redacted] doc [redacted]. both listed on credit report as [redacted] months review history. [redacted][Redacted] disbursement statement doc [redacted]shows [redacted] settlement date and loan is in borrower's business name and not our borrower |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226139150 | [Redacted] | [Redacted] | 37255646 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [redacted] which was after the date of the initial Loan Estimate provided electronically issued [redacted]. | Reviewer Comment (2026-08-25): [redacted] received disclosure summary suffice Buyer Comment (2026-08-21): Please review the document again. It shows that the document signatures were completed. Please clear condition. Reviewer Comment (2026-08-21): [redacted] received Loan Summary with Loan disclosure History. However, the document provided does not reflect the actual Electronic Consent Agreement Authorization by borrower and only reflects the history of a disclosure sent to borrower that was signed. No entry states "electronic consent approved/authorized. Provide actual E-consent agreement with borrower. Buyer Comment (2026-08-20): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226139150 | [Redacted] | [Redacted] | 37265509 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226142362 | [Redacted] | [Redacted] | 37264592 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226142714 | [Redacted] | [Redacted] | 37265411 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-27): Received E-Sign Consent. Exception cleared. Buyer Comment (2026-08-25): proof econsent was accepted upld |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226142714 | [Redacted] | [Redacted] | 37265602 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Final closing disclosure reflects an inaccurate finance charge of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. | Reviewer Comment (2026-08-26): [redacted] received lender attestation that [redacted] fee was primarily for verifying the information on appraisal and thus would not be a finance charge. Finance charge within tolerance. Buyer Comment (2026-08-25): rebuttal upld |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Pur[Redacted] | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226142714 | [Redacted] | [Redacted] | 37265603 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Application date was [redacted] and only Loan Estimate provided in the file was issued [redacted]. | Reviewer Comment (2026-08-26): [redacted] received [redacted] initial LE within [redacted] days of application. Buyer Comment (2026-08-25): initial [redacted]le and racking upld, it was sent regular mail |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143254 | [Redacted] | [Redacted] | 37250969 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | Occupancy mismatch as per document. | Reviewer Comment (2026-09-03): Received corrected 1003. Exception cleared. Buyer Comment (2026-09-01): please clear condition. Reviewer Comment (2026-08-31): Received updated 1003 Buyer Comment (2026-08-28): revised 1003 upld Reviewer Comment (2026-08-27): Please provide corrected 1003 for Borrower. Buyer Comment (2026-08-27): please see lox's on [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143254 | [Redacted] | [Redacted] | 37268131 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Appraisal report of departure residence is required, confirming borrower has [redacted]% equity. | Reviewer Comment (2026-08-31): Cleared. Received appraisal. Reviewer Comment (2026-08-31): The appraisal for the [redacted] property reflects that the borrower has less than [redacted] equity. Buyer Comment (2026-08-28): aprsl upld Reviewer Comment (2026-08-28): Please provide appraisal for departing residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143254 | [Redacted] | [Redacted] | 37268140 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI [Redacted]riance. | Lender DTI: [redacted]% Audit DTI: [redacted]%. Discrepancy is due to Departure residence PITIA was excluded by Lender in DTI calculation. However due to missing [Redacted]luation for departing residence, guidelines do not allow excluding the payment. | Reviewer Comment (2026-08-31): Cleared. Received appraisal. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Please provide appraisal for departing residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226143254 | [Redacted] | [Redacted] | 37268204 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender DTI: [redacted]% Audit DTI: [redacted]%. Discrepancy is due to Departure residence PITIA was excluded by Lender in DTI calculation. However due to missing [Redacted]luation for departing residence, guidelines do not allow excluding the payment. | Reviewer Comment (2026-08-31): Cleared. Received appraisal for departing property. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Please provide appraisal for departing residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226143254 | [Redacted] | [Redacted] | 37268241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-31): Cleared. Received appraisal and lender excepition documentation. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Please provide appraisal for departing residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Pur[Redacted] | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226143254 | [Redacted] | [Redacted] | 37268242 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Lender DTI: [redacted]% Audit DTI: [redacted]%. Discrepancy is due to Departure residence PITIA was excluded by Lender in DTI calculation. However due to missing [Redacted]luation for departing residence, guidelines do not allow excluding the payment. | Reviewer Comment (2026-08-31): Cleared. Received appraisal and lender excepition documentation. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Please provide appraisal for departing residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143254 | [Redacted] | [Redacted] | 37268243 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [Redacted] ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Lender DTI: [redacted]% Audit DTI: [redacted]%. Discrepancy is due to Departure residence PITIA was excluded by Lender in DTI calculation. However due to missing [Redacted]luation for departing residence, guidelines do not allow excluding the payment. | Reviewer Comment (2026-08-31): Cleared. Received appraisal and lender excepition documentation. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Please provide appraisal for departing residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143254 | [Redacted] | [Redacted] | 37287192 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to allow only [redacted]% equity on departing residence when guidelines require [redacted]%. Exception is noted on [redacted], however exception document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-31): Lender Exception with Compensating Factors provided. Downgraded and Waived. Reviewer Comment (2026-08-31): Received lender exception appro[Redacted]l to allow only [redacted]% equity on departing residence when guidelines require [redacted]. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Received lender exception appro[Redacted]l to allow [redacted]% equity on departing primary residence. Buyer Comment (2026-08-27): exception aprvl upld |
08/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226143254 | [Redacted] | [Redacted] | 37287231 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception noted on [redacted] to allow for [redacted] months of reserves for departing residence; guideline is [redacted] months minimum. Exception document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-31): Lender Exception with Compensating Factors provided. Downgraded and Waived. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Received lender exception appro[Redacted]l to allow for [redacted] reserves on departing primary residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226143254 | [Redacted] | [Redacted] | 37288178 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: A[Redacted]ilable for Reserves discrepancy. | Calculated A[Redacted]ilable for Reserves of ___ is less than Guideline A[Redacted]ilable for Reserves of ___. | Lender exception noted on [redacted] to allow [redacted] months for departing residence however the exception appro[Redacted]l document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-31): Cleared. Received appraisal and lender excepition documentation. Buyer Comment (2026-08-28): aprsl upld to trl docs Reviewer Comment (2026-08-28): Received lender exception appro[Redacted]l to allow for [redacted] reserves on departing primary residence. Buyer Comment (2026-08-27): exception aprvl upld to trl docs |
08/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Pur[Redacted] | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 226143594 | [Redacted] | [Redacted] | 37265312 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Missing signed final HUD-[redacted] or Closing Disclosure. | Reviewer Comment (2026-08-27): Doc provided and cleared Buyer Comment (2026-08-26): fss upld |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226143594 | [Redacted] | [Redacted] | 37281602 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Missing deed transferring title from the guarantor as an individual to the redacted . | Reviewer Comment (2026-08-27): Doc provided and cleared Buyer Comment (2026-08-26): please see qcd on [redacted], pages [redacted] |
08/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226143595 | [Redacted] | [Redacted] | 37289102 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted], items #[redacted] and #[redacted], reflect mortgages with outstanding balances in the amount of $[redacted] and $[redacted]. Seller's HUD [redacted] does not reflect payoff of mortgage liens. Please provide evidence the liens have been released, paid, and will not have a negative impact on the final title policy. | Reviewer Comment (2026-09-03): Received escrow confirmation that both outstanding liens in the amount of $[redacted]and $[redacted]were paid and removed. Exception cleared. Buyer Comment (2026-09-02): Escrow confirmation |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226143942 | [Redacted] | [Redacted] | 37267198 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Note shows city name [redacted][redacted]city name on HOI [redacted][redacted]. | Reviewer Comment (2026-08-26): Received corrected HOI policy reflecting [redacted] as the property city, consistent with the Note. Exception cleared. Buyer Comment (2026-08-24): corrected hoi |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226143942 | [Redacted] | [Redacted] | 37267213 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | DSCR [Redacted]riance is due to appraisals rental market [Redacted]lue of $[redacted] per unit per month vs actual lease amounts of $[redacted], $[redacted], and $[redacted] per month. | Reviewer Comment (2026-08-26): Used rent of $[redacted]and PITIA of $[redacted], resulting in a DSCR of [redacted]([redacted]). Bid Tape reflects a DSCR of [redacted]; however, the [Redacted]riance is within [redacted]. Exception cleared. Buyer Comment (2026-08-25): DSCR Calc - [redacted] Buyer Comment (2026-08-24): worksheet |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226145066 | [Redacted] | [Redacted] | 37268017 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement for [redacted] [redacted] Loan is missing. If the property is sold, then the Closing Disclosure or Closing Statement is missing. | Reviewer Comment (2026-08-25): Received CD. Condition cleared. Buyer Comment (2026-08-24): final cd |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Pur[Redacted] | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226145066 | [Redacted] | [Redacted] | 37268080 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Based on Application Date, more recent tax return is missing ([redacted]). | Buyer Comment (2026-08-26): Waive as informational only Reviewer Comment (2026-08-25): This is only an EV2 citing for informational purposes. DD cannot clear, however lender may waive. Buyer Comment (2026-08-24): extensions Buyer Comment (2026-08-24): see [redacted]pg [redacted]. there is no record of [redacted] |
08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Pur[Redacted] | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226145335 | [Redacted] | [Redacted] | 37267255 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved, condotel with [redacted]% investor concentration (previously approved by non-QM in [redacted]). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Client elects to waive with compensating factors. |
08/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Pur[Redacted] | B | B | B | B | A | A | N/A | No | |||||||||||
| 226145384 | [Redacted] | [Redacted] | 37269213 | Credit | Guideline | Guideline Issue | Guideline | [Redacted]riance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. [Redacted]riance is more than [redacted]. | Calculated DSCR of [redacted] does not match Field Tape [Redacted]lue DSCR [redacted]. [Redacted]riance is more than [redacted]. Discrepancy is due to the insurance premium. Lender is using a higher premium than documentation supports. | Reviewer Comment (2026-08-25): Qualified Monthly HOI is $[redacted]for combined [redacted]units. Calculated DSCR matching Field Tape [Redacted]lue. Exception cleared. Buyer Comment (2026-08-21): see Attached dec pages Buyer Comment (2026-08-21): The monthly HOI is [redacted]combined. There is [redacted]units and each are [redacted]per month |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226145638 | [Redacted] | [Redacted] | 37266908 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of d[Redacted] related to Occupancy. | - | Reviewer Comment (2026-09-01): Received 1003 reflecting the corrected property occupancy declaration. Exception cleared Buyer Comment (2026-08-28): 1003 |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226147854 | [Redacted] | [Redacted] | 37301234 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | An OFAC for the subject business entity is missing. | Reviewer Comment (2026-08-25): Cleared. Buyer Comment (2026-08-24): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226148745 | [Redacted] | [Redacted] | 37268349 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-31): pccd docs upld |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226148745 | [Redacted] | [Redacted] | 37268350 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a [Redacted]lid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-27): Cured at closing or within [redacted] of consummation prior to [redacted] review Buyer Comment (2026-08-26): please cancel, this was cured on the closing cd, Section [redacted] |
08/27/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226148745 | [Redacted] | [Redacted] | 37268373 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-08-27): RCE provided, exception cleared. Buyer Comment (2026-08-26): rce upld |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226148819 | [Redacted] | [Redacted] | 37270928 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226152899 | [Redacted] | [Redacted] | 37287561 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance Policy was not provided. | Reviewer Comment (2026-08-27): Received Master policy for flood and associated, Exception Cleared Buyer Comment (2026-08-25): see [redacted] - master flood policy |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226152899 | [Redacted] | [Redacted] | 37287565 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document missing in file for REO property. | Reviewer Comment (2026-08-27): Received closing disclosure for property [redacted], Exception Cleared Buyer Comment (2026-08-25): initial cd for reo |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226152899 | [Redacted] | [Redacted] | 37287894 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL [Redacted]riable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | The ARM loan program disclosure was not provided to the borrower within the required [redacted]-business-day timeframe following application. | Reviewer Comment (2026-08-27): Received confirmation ARM program has locked on [redacted], Exception Cleared Buyer Comment (2026-08-25): Loan was not locked as an ARM until [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Pur[Redacted] | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226152899 | [Redacted] | [Redacted] | 37358028 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-26): Sufficient Cure Provided At Closing |
08/26/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226153085 | [Redacted] | [Redacted] | 37289615 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226153087 | [Redacted] | [Redacted] | 37275545 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-09-03): Received hazard policy. Exception cleared. Buyer Comment (2026-09-01): Hazard |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Pur[Redacted] | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226153087 | [Redacted] | [Redacted] | 37275582 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary [Redacted]luation is missing. Sec ID: [redacted] | Reviewer Comment (2026-09-03): Received UCDP. Exception cleared. Buyer Comment (2026-09-01): Not required as SSR scores are under [redacted] |
09/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Pur[Redacted] | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226155845 | [Redacted] | [Redacted] | 37289901 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee increased from $[redacted] to $[redacted], an increase of $[redacted], without a [Redacted]lid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-08-31): [redacted] received Post CD and LOX. Buyer Comment (2026-08-28): pccd docs with proof sent to bwr upld Reviewer Comment (2026-08-28): [redacted] Received rebuttal stating pest inspection is not a lender requured fee. In order to clear this exception, provide corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-08-27): full sales contract upld, please see page [redacted], the bwr opted for the pest inspection, [redacted] does not require it for this loan program |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Pur[Redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226155894 | [Redacted] | [Redacted] | 37290171 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226155979 | [Redacted] | [Redacted] | 37290121 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title commitment in file disclosed $[redacted] is less than the loan amount of $[redacted]. | Reviewer Comment (2026-09-03): Title commitment with sufficient coverage, cleared Buyer Comment (2026-09-02): title commitment |
09/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Investment | Pur[Redacted] | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226156196 | [Redacted] | [Redacted] | 37291276 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for the property address [redacted]. | Reviewer Comment (2026-08-27): Received closing disclosure as mortgage statement. Exception Cleared. Buyer Comment (2026-08-25): final cd |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| 226156196 | [Redacted] | [Redacted] | 37291299 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-09-01): Sufficient per [redacted] updated guides. Cleared. Buyer Comment (2026-08-28): See screen shot as mentioned previously the policy lists replacement cost as part of the policy Reviewer Comment (2026-08-27): No documentation provided showing policy is at full replacement cost coverage. Buyer Comment (2026-08-27): Per [redacted] we only need to [Redacted]lidate the policy is at replacement cost and no longer need to [Redacted]lidate the RCE Reviewer Comment (2026-08-27): Provided hazard insurance with the coverage [Redacted]lue of $[redacted]and result in the shortage of $[redacted]. Required replacement cost estimator to meet the shortfall. Exception Remains. Buyer Comment (2026-08-25): The HOI dec page has confirmation of the policy being at replacement cost |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| 226157496 | [Redacted] | [Redacted] | 37291826 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226157558 | [Redacted] | [Redacted] | 37429021 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | D[Redacted] discrepancy: LTV | Reviewer Comment (2026-09-02): The pur[Redacted] price has been correctly updated. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-01): Hello, please see the attached LTV D[Redacted] Discrep rebuttal. Thank you! |
09/02/2026 | No | 1 | A | A | A | A | A | OH | Investment | Pur[Redacted] | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226157665 | [Redacted] | [Redacted] | 37294546 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226158793 | [Redacted] | [Redacted] | 37291900 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee on Closing Disclosure is $[redacted] and on Loan Estimate $[redacted]. No [Redacted]lid change of circumstance was found in the file. | Reviewer Comment (2026-09-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-02): pccd docs upld |
09/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226158798 | [Redacted] | [Redacted] | 37321673 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception noted on [redacted] for recent foreclosure. No Exception request or appro[Redacted]l form provided. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-01): Client elects to waive with compensating factors. Buyer Comment (2026-08-28): except aprvl upld |
09/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226158798 | [Redacted] | [Redacted] | 37321678 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception noted on [redacted] for pri[Redacted]te VOM without checks. No exception request or appro[Redacted]l form provided. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-01): Client elects to waive with compensating factors. Buyer Comment (2026-08-28): except aprvl upld to trl docs |
09/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226162505 | [Redacted] | [Redacted] | 37295231 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable due to critical repairs, Comp factors LTV [redacted]% and Max DTI [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The Combined Loan to [Redacted]lue (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to [Redacted]lue (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-27): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-08-25): Please see attached exception request. Please clear condition. |
08/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Pur[Redacted] | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226164281 | [Redacted] | [Redacted] | 37319581 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on [redacted] to allow for less than [redacted] years of self-employed income. Lender exception document was not found in the file. UPDATE: Lender exception approved to use income from business where borrower is less than [redacted] months [redacted] owner. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-02): Client elects to waive with compensating factors. Buyer Comment (2026-08-31): Uploaded Lender Exception Appro[Redacted]l authorizing less than [redacted] years self employment income please review for clearance. |
09/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | KY | Investment | Pur[Redacted] | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226164440 | [Redacted] | [Redacted] | 37309291 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226164440 | [Redacted] | [Redacted] | 37309292 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226164440 | [Redacted] | [Redacted] | 37309293 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226166025 | [Redacted] | [Redacted] | 37303892 | Credit | Business Purpose | [Redacted] | Business Purpose | Verification of Borrower's identity is missing. | - | Verification of [redacted] s identity was missing. | Reviewer Comment (2026-08-28): Patriot Act Information form located in the file. Exception cleared. Buyer Comment (2026-08-26): Please provide the guideline where this is a requirement |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226166025 | [Redacted] | [Redacted] | 37303954 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ | Minimum requirement of ownership is [redacted]%; however, the guarantor has [redacted]% ownership, and it does not meet guideline requirements. | Reviewer Comment (2026-08-28): Guideline requirement met for ownership. Exception cleared. Buyer Comment (2026-08-26): Please provide the guideline where this is a requirement |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226166034 | [Redacted] | [Redacted] | 37309187 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-consent agreement document is missing in file. | Reviewer Comment (2026-08-27): Electronic consent provided, exception cleared. Buyer Comment (2026-08-26): e-consent |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226166034 | [Redacted] | [Redacted] | 37309188 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy document is missing in file. | Reviewer Comment (2026-08-27): HOI provided, exception cleared. Buyer Comment (2026-08-26): HOI |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Pur[Redacted] | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226167126 | [Redacted] | [Redacted] | 37333483 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the deed transferring the property to the borrower. (Title document does not indicate the new owners name.) | Reviewer Comment (2026-09-03): Deed transferring the property to the borrower, cleared Buyer Comment (2026-09-03): Please see attached Warranty Deed |
09/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MS | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226168113 | [Redacted] | [Redacted] | 37304463 | Credit | Asset | Asset Calculation / Analysis | Asset | A[Redacted]ilable for Closing is insufficient to cover Cash From Borrower. | Assets for Closing of $[redacted] is less than Cash from Borrower $[redacted]. No bank statements were provided in the file for the accounts listed on the application | Reviewer Comment (2026-09-01): Received Bank Statement. Exception Cleared Buyer Comment (2026-08-28): Please see attached VOD |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226168113 | [Redacted] | [Redacted] | 37304545 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Guidelines require minimum reserves of [redacted]%. No bank statements were provided in the file for the accounts listed on the application | Reviewer Comment (2026-09-01): Received Bank Statement. Exception Cleared. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226169271 | [Redacted] | [Redacted] | 37309770 | Credit | Missing Document | [Redacted] | Missing Document | Missing Document: HUD/CD not provided | Missing Signed and Executed Final HUD/Closing Disclosure in the loan file. | Reviewer Comment (2026-09-01): Received final closing statement. Exception cleared. Buyer Comment (2026-08-28): Final HUD Uploaded, please review for clearance. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226173190 | [Redacted] | [Redacted] | 37319707 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] with no [Redacted]lid change of circumstances, and no cure was provided to the borrower. | Reviewer Comment (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226179096 | [Redacted] | [Redacted] | 37321751 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception. The exception request for a non-warrantable condo due to commercial space and lack of insurance coverage is approved. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this pur[Redacted] transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-08-24): Client elects to waive with compensating factors. |
08/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Pur[Redacted] | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226179104 | [Redacted] | [Redacted] | 37325153 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title-Settlement fee increased with insufficient or no cure to borrower. | Reviewer Comment (2026-08-31): [redacted] the fee are within tolerance limit. Buyer Comment (2026-08-28): please cancel, the borrower shopped for fees, spl is on [redacted] |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226179106 | [Redacted] | [Redacted] | 37341528 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226179106 | [Redacted] | [Redacted] | 37341529 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226179106 | [Redacted] | [Redacted] | 37341530 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226179432 | [Redacted] | [Redacted] | 37333894 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in file disclosed $[redacted] of title insurance coverage; however, this is less than the loan amount of $[redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-08-27): Updated commitment provided, exception cleared. Buyer Comment (2026-08-27): title commitment |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 226179432 | [Redacted] | [Redacted] | 37333933 | Compliance | Compliance | State Compliance | State Defect | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty ([redacted]; [redacted]) - Permissive Method | [redacted] Subtitle [redacted] - [redacted] Interest and [redacted] Prepayment Penalty (Prior to [redacted]): Alternate prepayment penalty testing methodology utilized under §[redacted] allowing prepays over prescribed limits (greater than [redacted] months or [redacted] months' ad[Redacted]nced interest on prepayment in excess of [redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [redacted] outside counsel given the ambiguity in the state law. | Buyer Comment (2026-08-26): ok to Waive per CR on previous cond from different inv |
08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 226180614 | [Redacted] | [Redacted] | 37333275 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Undiscounted rate and undiscounted pricing were updated as per the Compliance report in the file. | Reviewer Comment (2026-09-02): Received Appraisal report dated on [redacted] and Appraisal receipt dated on [redacted]. Exception cleared. Buyer Comment (2026-08-31): aprsl report and receipt for [redacted]report upld to trl docs |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226180614 | [Redacted] | [Redacted] | 37333276 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Right to receive a copy of the Appraisal Disclosure was not provided within [redacted] days of the loan application date. | Reviewer Comment (2026-09-01): [redacted]: Application date changed to [redacted] and the initial disclosures are sent to borrower within that timing requirement. Buyer Comment (2026-08-31): please see app on [redacted], the true app date is [redacted] app on [redacted]was incomplete with a tbd address, the aprsl disclosure on [redacted]was esigned [redacted]. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226180614 | [Redacted] | [Redacted] | 37333277 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each [Redacted]luation to applicant [redacted] business days prior to consummation. | Verification of appraisal delivered to the borrower was not provided in the file. | Reviewer Comment (2026-09-02): Received Appraisal report dated on [redacted] and Appraisal receipt dated on [redacted]. Exception cleared. Buyer Comment (2026-08-31): [redacted]aprsl report and receipt for [redacted]report upld Buyer Comment (2026-08-31): [redacted] aprsl report and receipt for [redacted]report upld |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226180614 | [Redacted] | [Redacted] | 37333279 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate was not delivered to the borrower within [redacted] business days of application. | Reviewer Comment (2026-09-01): [redacted]: Application date changed to [redacted] and the initial disclosures are sent to borrower within that timing requirement. Buyer Comment (2026-08-31): please see app on [redacted], the true app date is [redacted], the [redacted] app on [redacted]was incomplete with a tbd address |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Pur[Redacted] | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226180614 | [Redacted] | [Redacted] | 37423043 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Pur[Redacted] | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226184950 | [Redacted] | [Redacted] | 37357186 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-26): Sufficient Cure Provided At Closing |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226184956 | [Redacted] | [Redacted] | 37346789 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects judgment with outstanding balances in the amount of $[redacted]. Seller's HUD [redacted] does not reflect payoff of judgment. Please provide evidence judgment has been released, paid, and will not have a negative impact on the final title policy. | Reviewer Comment (2026-09-02): Received title commitment reflecting no judgment. Exception Cleared. Buyer Comment (2026-08-31): Title |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226184993 | [Redacted] | [Redacted] | 37395602 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-28): Sufficient Cure Provided At Closing |
08/28/2026 | No | 1 | A | A | A | A | A | CA | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226194433 | [Redacted] | [Redacted] | 37376436 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226194502 | [Redacted] | [Redacted] | 37375301 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to the Appraisal Fee. A specific credit of $[redacted] has been provided as cure at closing. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194608 | [Redacted] | [Redacted] | 37356511 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Hazard insurance policy is missing for the subject property. | Reviewer Comment (2026-09-02): Hazard insurance with sufficient coverage, cleared Buyer Comment (2026-09-02): hoi upld |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226194608 | [Redacted] | [Redacted] | 37356513 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-09-02): Hazard insurance with sufficient coverage, cleared Buyer Comment (2026-09-02): hoi upld to trl docs |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194608 | [Redacted] | [Redacted] | 37356552 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Reviewer Comment (2026-09-02): Hazard insurance with correct payee clause, cleared Buyer Comment (2026-09-02): hoi upld to trl docs |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Pur[Redacted] | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194612 | [Redacted] | [Redacted] | 37382636 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted] | File is missing the final certified stamped/signed closing statement. FYI, the initial closing statement reflects the loan has [redacted]. | Reviewer Comment (2026-08-31): Final HUD-1, cleared Buyer Comment (2026-08-28): final settlement statement |
08/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Pur[Redacted] | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226194631 | [Redacted] | [Redacted] | 37384234 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: [redacted] Final not provided | File is missing the final [redacted] for both individual [redacted]. | Reviewer Comment (2026-08-27): Final 1003 provided, exception cleared. Buyer Comment (2026-08-27): please see final 1003 doc [redacted]. all pages indexed under "credit application" header |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226197629 | [Redacted] | [Redacted] | 37386679 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] and #[redacted] reflects judgments and tax liens with outstanding balances in the amount of $tbd and $[redacted]. HUD [redacted] does not reflect payoff of judgments and tax liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-09-02): Received email correspondence from title compa[Redacted] stating the exception were omitted and will not appear in the poilcy. Exception remains Buyer Comment (2026-08-31): Email from title |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226199864 | [Redacted] | [Redacted] | 37395975 | Property | Appraisal Reconciliation | [Redacted]lue Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary [Redacted]luation supports the [Redacted]lue. There is a lower level tertiary product that does not support the qualifying [Redacted]lue. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Highest level secondary [Redacted]luation supports the [Redacted]lue. There is a lower level tertiary product that does not support the qualifying [Redacted]lue. | Reviewer Comment (2026-09-01): Field review supports the 1025 [Redacted]lue, cleared Buyer Comment (2026-08-31): field review |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | N/A | No | |||||||||||||
| 226199864 | [Redacted] | [Redacted] | 37403220 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | File is missing the redacted dated within [redacted] days prior to note date for the borrowing entity. | Reviewer Comment (2026-09-01): Associated to the Business Entity Listing showing the LLC as 'active' Buyer Comment (2026-08-31): SOS |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | N/A | No | ||||||||||||||
| 226200522 | [Redacted] | [Redacted] | 37414849 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Taxpayer Identification Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226201076 | [Redacted] | [Redacted] | 37415166 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided cure at closing. | Reviewer Comment (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226201076 | [Redacted] | [Redacted] | 37415167 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided cure at closing. | Reviewer Comment (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226202683 | [Redacted] | [Redacted] | 37402314 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-09-04): Final title with sufficient coverage, cleared |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226202683 | [Redacted] | [Redacted] | 37402344 | Credit | Title | [Redacted] | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title policy amount of $[redacted] is less than the note amount of $[redacted] based on the preliminary title. | Reviewer Comment (2026-09-04): Final title with sufficient coverage, cleared Buyer Comment (2026-09-04): final title policy upld |
09/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226218229 | [Redacted] | [Redacted] | 37435026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-02): Sufficient Cure Provided At Closing |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226223015 | [Redacted] | [Redacted] | 37452941 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Pur[Redacted] | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |