Exhibit 99.01 Schedule 2
| 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 |
| XXXXX | 131386773 | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Reviewer Comment (2022-08-03): Received, Clearing. |
08/03/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | A | A | A | A | No | |||||||||||||||||||
| XXXXX | 4000002391 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus XXXX or XXXX. Insufficient or no cure was provided to the borrower. | No valid change in circumstance. | Reviewer Comment (2022-03-04): XXXX received corrected CD
and settlement statement. Seller Comment (2022-03-03): certified copy of final closing statement Reviewer Comment (2022-03-03): XXXX received final settlement statement which is not signed/certified by authority also, recording fee charged at closing is XXXX but on PCCD it was disclosed as XXXX. Please provide correct documents with true and certified copy of final SS. Seller Comment (2022-03-02): escrow final closing statement Reviewer Comment (2022-03-02): XXXX received PCCD datedXXXX in which the Recording Fee has been decreased fromXXXXto XXXX. However as per the True and Certified Final Settlement Statement we see that the Recording Fee charged to the borrower is different. We require additional document confirming that the Recording Fee charged to the borrower was XXXX or cure required along with cure documents. Seller Comment (2022-03-01): Post CD |
03/04/2022 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000003336 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2022-05-13): Received, Clearing. Seller Comment (2022-05-13): XXXX |
05/13/2022 | 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 | ||||||||||||
| XXXXX | 4000003925 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2022-06-07): Received, Clearing. Seller Comment (2022-06-07): XXXX attached |
06/07/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000003925 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2022-06-27): Received, Clearing. Seller Comment (2022-06-27): Secondary evaluation attached Reviewer Comment (2022-06-23): XXXX is required forXXXX which is part of theXXXX. Seller Comment (2022-06-23): Please see comments from XXXX Appraisal XXXX team in which a CDA is not needed |
06/27/2022 | No | 1 | D | A | D | A | D | A | D | A | D | A | CO | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000003925 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2022-06-23): Received, Clearing. Seller Comment (2022-06-23): attached and uploaded in XXXX revised loan docs with increased coverage of XXXX. Current XXXX to be renewed in XXXX so we are providing the future policy as well. |
06/23/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000003788 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Missing XXXX | Reviewer Comment (2022-06-08): Received, Clearing. Seller Comment (2022-06-08): Please see attachment |
06/08/2022 | 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 | |||||||||||
| XXXXX | 4000003788 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Final Loan Application) | XXXX Constitution Section XXXX(a)(XXXX): No evidence the XXXX (s) received a copy of the XXXX loan application at or XXXX | Reviewer Comment (2022-06-08): Received, Clearing. |
06/08/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000003788 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | XXXX XXXX: Final itemized disclosure of XXXX not provided to borrower at least XXXX prior to closing without a XXXX. | Reviewer Comment (2022-06-08): Received, Clearing. Seller Comment (2022-06-08): Please see attachment |
06/08/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 6000080192 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Non Material | XXXX was not provided, XXXX was used. | Buyer Comment (2022-05-11): waived |
05/11/2022 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 6000080192 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay XXXX : XXXX Loan Designation. XXXX property not XXXX to Ability to Repay requirements. | Tested asXXXX per XXXX | Buyer Comment (2022-05-11): waived |
05/11/2022 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2022-05-16): Received Fraud Report ,
Exception cleared. Buyer Comment (2022-05-14): The XXXX is attached for your review. Reviewer Comment (2022-05-13): We required with XXXX not XXXX, XXXX. Buyer Comment (2022-05-12): XXXX is attached for your review. |
05/16/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | ||||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided. | A correct, complete copy of the XXXX was not included in the loan file XXXX the XXXX | Reviewer Comment (2022-05-12): Cleared Buyer Comment (2022-05-11): Please see the XXXX for your review. |
05/12/2022 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | |||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Reviewer Comment (2022-05-27): XXXX provided. XXXX cleared Buyer Comment (2022-05-25): Please refer to the XXXX for XXXX. The must preform an document a XXXX. For Borrowers who are not XXXX no more thanXXXX of the XXXX. Alternatively, XXXX may obtain the XXXX XXXX after closing up to the XXXX If the XXXX cannot be obtained XXXX . The XXXX attached should be XXXX. Reviewer Comment (2022-05-13): Per the XXXX and XXXX in file, the borrower XXXX is qualifying using their income from XXXX XXXX, and there was no Verification of Employment performed for this. Also the borrower's prior Income also needs a VOE, as they have not been with their XXXX for a full XXXX. Exception remains Buyer Comment (2022-05-12): The Borrower was not qualified on employment income but on rental income and that is why no VVOE's were completed. |
05/27/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | |||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Reviewer Comment (2022-05-27): XXXX provided. XXXX cleared Buyer Comment (2022-05-25): Please refer to the XXXX for XXXX. The must preform an document a XXXX. For Borrowers who are not XXXX no more thanXXXX of the XXXX. Alternatively, XXXX may obtain the XXXX XXXX after closing up to the XXXX If the XXXX cannot be obtained XXXX . The XXXX attached should be XXXX. Reviewer Comment (2022-05-13): Per the XXXX and XXXX in file, the borrower XXXX is qualifying using their income from XXXX, and there was no Verification of Employment performed for this. Also both of the borrower's prior Incomes also needs a VOE, as they have not been with their current job for a full XXXX, and theXXXX prior Employers have not provided a verification of the Start and End dates for employment. Exception remains Buyer Comment (2022-05-12): The Borrower was qualified on XXXX, XXXX not apply. |
05/27/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | |||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | XXXX Valuations Rule XXXX : XXXX did not provide a copy of each valuation to XXXX business days prior to XXXX . | Reviewer Comment (2022-05-13): Received required
documentation. Cleared. Buyer Comment (2022-05-12): Attached please find the snapshot of the confirmation of the Appraisal Report sent to the Borrower on XXXX and the Appraisal Confirmation Disclosure for your review. Buyer Comment (2022-05-12): Attached please find the XXXX of the confirmation of the Appraisal Report sent to the Borrower on XXXX and the Appraisal XXXX Disclosure for your review. |
05/13/2022 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | |||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within XXXX business days of application or determination of fXXXX status. | Reviewer Comment (2022-05-27): Cleared Buyer Comment (2022-05-27): I am uploading the complete iXXXX and the XXXX. Buyer Comment (2022-05-27): I am uploading the complete initial XXXX package sent to the XXXX on XXXX and the XXXX XXXX Details. Reviewer Comment (2022-05-26): This exception is for the XXXX. Document provided is appraisal confirmation. Buyer Comment (2022-05-25): Attached please find the Appraisal Confirmation Disclosure signed by the Borrowers for your review. Reviewer Comment (2022-05-13): This disclosure is required for All loan types. Exception remains. Buyer Comment (2022-05-12): This is a XXXX XXXX and initial XXXX do not apply. |
05/27/2022 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | |||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (XXXX): Unable to verify current Wages/W-XXXX employment status using reasonably reliable third-party records. | Missing VVOE or Third Party Verification of employment for both borrowers for all current and prior employment records as required by lender guides. | Reviewer Comment (2022-05-27): Cleared Buyer Comment (2022-05-25): Please refer to the XXXX Guidelines for program XXXX . The must XXXX an document a XXXX for each XXXX . For XXXX who are not XXXX no more than XXXX days of the Note date. Alternatively, XXXX may obtain the verbal XXXX after closing up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery. The XXXX attached should be sufficient. Reviewer Comment (2022-05-13): Per the XXXX and XXXX in file, the XXXX XXXX is qualifying using their income from XXXX, and there was no XXXX of XXXX for this. Also both of the XXXX XXXX also needs a XXXX, as they have not been with their current XXXX for a full XXXX years, and the XXXX prior XXXX have not provided a XXXX of the Start and End dates for XXXX. XXXX Buyer Comment (2022-05-12): It appears the Borrowers were qualified on XXXX only and that is why no XXXX were completed. Please clarify. |
05/27/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | ||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | [REDACTED): Unable to verify XXXX using reasonably reliable XXXX. | Missing XXXX or XXXX for XXXX for all XXXX and XXXX as required XXXX | Reviewer Comment (2022-05-27): Cleared Buyer Comment (2022-05-25): Please refer to the XXXX Guidelines for program XXXX. The must preform an document a verbal verification of employment for each Borrower. For Borrowers who are not self-employed no more thanXXXX days of the Note date. Alternatively, lenders may obtain the verbal VOE after closing up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery. The VVOE's attached should be sufficient. Reviewer Comment (2022-05-13): Per the XXXX and XXXX in file, the XXXX XXXX is qualifying using their income from XXXX, and there was no XXXX of XXXX for this. Also the XXXX also needs a XXXX, as they have not been with their current XXXX for a full XXXX years. XXXX Buyer Comment (2022-05-12): This is a XXXX loan and the Borrower was qualified with XXXX. |
05/27/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | ||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | XXXX Valuations Rule XXXX : XXXX did not provide a copy of each valuation to XXXX business days prior to XXXX . | Missing XXXX or XXXX Verification of employment for both XXXX. | Reviewer Comment (2022-05-27): Waived. Buyer Comment (2022-05-27): Please clear. Buyer Comment (2022-05-25): Please refer to the XXXX Guidelines forXXXX. The must preform an document a XXXX of XXXX. For Borrowers who are not XXXX no more than XXXX. Alternatively, XXXX may obtain the XXXX after closing up to the time of loan delivery. If the XXXX cannot be obtained prior to delivery. The XXXX attached should be XXXX |
05/27/2022 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | ||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | XXXX: General XXXX not XXXX. | Missing XXXX or XXXX | Reviewer Comment (2022-05-27): Cleared |
05/27/2022 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | ||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Reviewer Comment (2022-05-12): Cleared Buyer Comment (2022-05-11): The XXXX of the XXXX |
05/12/2022 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | |||||||||||
| XXXXX | 6000079682 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2022-05-25): Received HOA Verification,
doc associated & system updated. Exception Cleared Buyer Comment (2022-05-23): Email from the XXXX confirming XXXX fees on XXXX |
05/25/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | C | B | B | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000006017 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year XXXX of XXXXon Final Closing Disclosure provided on XXXX not accurate. | Reviewer Comment (2022-09-13): Accepted as is. |
No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 4000006017 | XXXXX | XXXXX | 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. | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2022-09-12): Received, Clearing. Buyer Comment (2022-09-12): Comment from XXXX (XXXX): Flood cert was signed XXXX Docs were drawn XXXX. XXXX days prior is the rule. Please advise if we are mistaken. |
09/12/2022 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000009120 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt dated XXXX however the appraisal signature date is XXXX, provide evidence all copies of appraisal were received by Borrower | Reviewer Comment (2023-02-02): Accepted as is |
No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000010350 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. | Reviewer Comment (2023-02-27): Received evidence borrower
downloaded appraisal on XXXX |
02/27/2023 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000010350 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The borrower did not sign acknowledgement at closing stating they received a copy of the appraisal. | Reviewer Comment (2023-02-27): Received evidence borrower
downloaded appraisal onXXXX Seller Comment (2023-02-27): Comment from XXXX (XXXX.): Appraisal delivery confirmation |
02/27/2023 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000010350 | XXXXX | XXXXX | 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 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The borrower did not sign acknowledgement at closing stating they received a copy of the appraisal. | Reviewer Comment (2023-02-27): Received evidence borrower
downloaded appraisal on XXXX Seller Comment (2023-02-27): Comment from XXXX (XXXX.): Appraisal delivery confirmation |
02/27/2023 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000010350 | XXXXX | XXXXX | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | File does not contain a valid COC for this fee, cure provided at closing in the amount of $XXXX. | Reviewer Comment (2023-02-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000010827 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing evidence of new XXXX payment | Reviewer Comment (2023-03-15): Received. Clearing. Seller Comment (2023-03-14): Comment from XXXX XXXX: See recent CD w/XXXX |
03/15/2023 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000010827 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Per guidelines, for Private party landlords a VOR (or a
copy of the current lease) will be required ALONG with XXXX months
cancelled checks. A VOR without cancelled checks is allowed for properties managed by a Professional Management Company. Lender must be able to verify the existence of the Professional Management Company online. A VOM along with proof of monthly housing payments made over the last XXXX months is required when the borrower is making mortgage payments to a non-institutional lender or private party not appearing on credit. |
Reviewer Comment (2023-03-21): Received verification of
rent and bank statements Seller Comment (2023-03-21): Comment from XXXX XXXX: VOR and payments from x XXXX Reviewer Comment (2023-03-15): Would need a rent free letter signed by both the borrower and landlord/friend to reflect as such and need timeframe for this agreement in the letter. Seller Comment (2023-03-14): Comment from XXXX XXXX): UW Cert attached |
03/21/2023 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000011503 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided | Reviewer Comment (2023-04-27): Received, clearing Seller Comment (2023-04-27): Comment from XXXX XXXX): Biz Purpose disclosure covers non-owner |
04/27/2023 | 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 | |||||||||||||||
| XXXXX | 4000011503 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXX is sufficient to cover the mortgage amount of $XXXX however is insufficient to cover XXXX% of the appraised value ($XXXX). Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. | Reviewer Comment (2023-04-27): Acceptable per guidelines
to cover the loan amount Buyer Comment (2023-04-27): Comment from XXXX XXXX): XXXX purchases based on XXXX guides. The HOI calc you are using is not applicable. Loan was locked XXXX so XXXX guide would apply. See page XXXX for below: Hazard insurance coverage should be in the amount of the lesser of: - The unpaid principal balance of the mortgage or - XXXX% Replacement Cost Coverage as stated on the policy declaration page. |
04/27/2023 | 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 | ||||||||||||||
| XXXXX | 4000086035 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-08-06): Clearing based on review
coming back within tolerances. |
08/06/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000088010 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2025-09-15): Received, Clearing. Seller Comment (2025-09-15): Comment from XXXX (XXXX): The policy states XXXX% replacement cost value is included. Not sure why you are referencing rental coverage Reviewer Comment (2025-09-12): This exception is for a shortage of coverage, not a lack of rent loss. Seller Comment (2025-09-12): Comment from XXXX (XXXX): rent loss |
09/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000088010 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required
and must equal at least six (6) months of local average monthly rents |
Reviewer Comment (2025-09-12): Cleared. |
09/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000090180 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization is missing in file. | Reviewer Comment (2025-10-01): Received, cleared Reviewer Comment (2025-09-29): Cash-Out Utilization not provided. Exception Remains. Seller Comment (2025-09-29): Comment from XXXX (XXXX): attached |
10/01/2025 | 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 | ||||||||||||||
| XXXXX | 4000090180 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in file. | Reviewer Comment (2025-10-01): Received, cleared Seller Comment (2025-10-01): Comment from XXXX (XXXX): attached - see highlighted Reviewer Comment (2025-09-29): Business Purpose Certificate not provided. Exception Remains. Seller Comment (2025-09-29): Comment from XXXX (XXXX): attached |
10/01/2025 | 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 | ||||||||||||||
| XXXXX | 4000090180 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing in file. | Reviewer Comment (2025-09-29): Received Occupancy
Certificate. Exception cleared. Seller Comment (2025-09-29): Comment from XXXX (XXXX): attached |
09/29/2025 | 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 | ||||||||||||||
| XXXXX | 4000090180 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXX is sufficient to cover the mortgage amount of $XXXX however, insufficient to cover the estimated cost new is $XXXX. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage Shortfall is $XXXX | Reviewer Comment (2025-10-31): Updated sufficient HOI
Policy provided. Cleared. Seller Comment (2025-10-31): Comment from XXXX (XXXX): HOI |
10/31/2025 | 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 | ||||||||||||||
| XXXXX | 4000090166 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of Business Purpose Certificate | Reviewer Comment (2025-10-01): Provided. Cleared. Seller Comment (2025-10-01): Comment from XXXX (XXXX): attached Reviewer Comment (2025-09-29): Business Purpose Certificate not provided. Exception Remains. Seller Comment (2025-09-29): Comment from XXXX (XXXX): attached |
10/01/2025 | 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 | ||||||||||||||
| XXXXX | 4000090166 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | The file was missing a copy of Occupancy Certificate | Reviewer Comment (2025-10-01): Provided. Cleared. Seller Comment (2025-10-01): Comment from XXXX (XXXX): this same document was used to clear the other borrowers loan that is with you. XXXX please review again and have this condition cleared. Reviewer Comment (2025-09-29): Occupancy Certificate not provided. Exception Remains. Seller Comment (2025-09-29): Comment from XXXX (XXXX): attached |
10/01/2025 | 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 | ||||||||||||||
| XXXXX | 4000090166 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file was missing a copy of Cash-Out Utilization/business Purpose certificate | Reviewer Comment (2025-10-01): Provided. Cleared. Reviewer Comment (2025-09-29): Cash-Out Utilization not provided. Exception Remains. Seller Comment (2025-09-29): Comment from XXXX (XXXX): attached |
10/01/2025 | 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 | ||||||||||||||
| XXXXX | 4000094663 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | The file is missing a copy of the Occupancy Certificate | Reviewer Comment (2025-10-21): Received Occupancy
Certificate. Exception cleared. Seller Comment (2025-10-21): Comment from XXXX (XXXX): occ cert attached |
10/21/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000094663 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The file was missing a copy of HUD/CD | Reviewer Comment (2025-10-21): Received, Clearing. Seller Comment (2025-10-21): Comment from XXXX (XXXX): attached |
10/21/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000093316 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | First Time Investor not permitted on STR property. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXXX. |
SitusAMC SitusAMC |
Reviewer Comment (2025-10-09): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
10/09/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | No evidence of fraud report in file. | Reviewer Comment (2025-10-30): Received, Clearing. Buyer Comment (2025-10-30): Fraud Report |
10/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | No evidence of fraud report in file. | Reviewer Comment (2025-10-30): Received, Clearing. Buyer Comment (2025-10-30): Fraud Report (both borrowers input) |
10/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Executed sales contract or signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing on subject transaction and departure residence must be documented with a 2055 exterior appraisal or full appraisal is missing. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-11-07): Client exception
received. Buyer Comment (2025-11-07): Exception to exclude departure residence with no appraisal. |
11/07/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 2000000171 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 2055 exterior Appraisal or executed sales contract and signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing supporting document not provided for Departure Residency To exclude from DTI calculation. | Reviewer Comment (2025-11-07): Clearing based on
exception. |
11/07/2025 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000171 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (XXXX 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum ofXXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | 2055 exterior Appraisal or executed sales contract and signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing supporting document not provided for Departure Residency To exclude from DTI calculation. | Reviewer Comment (2025-11-07): Clearing based on
exception. |
11/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000171 | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2025-10-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | 2055 Exterior Appraisal or executed sales contract and signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing supporting document not provided. | Reviewer Comment (2025-11-07): Clearing based on
exception. Buyer Comment (2025-11-07): Departure rez listed- exception approved no appraisal/loe/listing agreement as property is actively listed. |
11/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000171 | XXXXX | 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 (XXXX 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2025-11-07): Clearing based on
exception. |
11/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000100872 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-11-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000100872 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on pageXXXX . | Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page XXXX . | Reviewer Comment (2025-11-18): XXXX received seller CD and as per contract and
confirmation from settlement agent. No seller paid fees. Seller Comment (2025-11-17): Comment from XXXX XXXX : Please see attached seller CD, per contract of sale, transfer fees were paid by borrower. also please see email from settlement agent confirming. |
11/18/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000100872 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2025-11-12): Client elects to waive |
11/12/2025 | No | 2 | A | A | A | A | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 4000107473 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements | Reviewer Comment (2026-01-07): Accepted as is. |
01/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000107473 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-01-08): Sufficient Reserves
available. Exception cleared. Seller Comment (2026-01-07): Comment from XXXX (XXXX): Bank statements- per 1003 section 2 and Bank statements borrower has more than enough funds for the reserves. |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000109291 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | The file was missing a copy of Bylaws | Reviewer Comment (2026-01-20): Received, Clearing. Seller Comment (2026-01-20): Comment from XXXX (XXXX): Memo |
01/20/2026 | 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 | ||||||||||||||
| XXXXX | 4000104877 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX | Reviewer Comment (2026-01-23): RCE provided. Cleared. Seller Comment (2026-01-23): Comment from [XXXX] ([XXXX]): RCE |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000109118 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000110669 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-29): Accepted as is. |
01/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000110669 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-29): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000112115 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-16): Cleared based on review
coming back within tolerances |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000112115 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-20): Comment from XXXX (XXXX .): corrected insurance |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000114369 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-02-17): Accepted as is. |
02/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000114369 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR ofXXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-16): Received Appraisal delivery
confirmation. Exception cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000114369 | XXXXX | XXXXX | 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 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-16): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-03-16): Comment from XXXX (XXXX): please see attached email from borrower stating they received the appraisal Reviewer Comment (2026-02-25): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) Reviewer Comment (2026-02-25): Borrower delivery confirmation does not confirm the borrower acknowledged receipt of the appraisal so 3 day rule applies, which makes the date of receipt XXXX and less than 3 days prior to closing date of XXXX Seller Comment (2026-02-25): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-02-23): Please provided the earlier dated appraisal the was provided XXXX. Seller Comment (2026-02-23): Comment from XXXX (XXXX): Please see attached confirmation of email of appraisal being sent for XXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000114369 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-17): Accepted as is. |
02/17/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000116583 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates an Investor exception was granted for XXXX months seasoning to u se sales net proceeds from primary residence for funds to close. Provide completed Lender Exception Form. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly mortgage payment has decreased by at least 20%. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-03): Client exception
received. Seller Comment (2026-03-03): Comment from XXXX (XXXX): see attached |
03/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114695 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review
coming back within tolerances. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000114695 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file) | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000114695 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000116626 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower . | Reviewer Comment (2026-03-17): Amount/Incorrect Data
Entry. Upon further review, borrower within tolerance limit. Seller Comment (2026-03-13): Comment from XXXX (XXXX): LOE- Regarding fees disclosed Reviewer Comment (2026-03-13): XXXX Changed Circumstance dated XXXX, but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. " Seller Comment (2026-03-12): Comment from XXXX (XXXX): INITIAL CLOSING DISCLOSURE |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116626 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000116077 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount is blank, and the prelim does not state a coverage amount. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000114119 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-13): Client elects to waive
based on It technically meets guide language, just not the signature block
picture. Reviewer Comment (2026-03-24): Loan closed in LLCs name. Guarantor Agreement is required per guides. Buyer Comment (2026-03-24): Comment from XXXX (XXXX): please waive. not applicable to XXXX loans. |
04/13/2026 | Yes | 2 | D | B | D | B | D | B | D | B | D | B | GA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000114119 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Note and Security instrument to be corrected to remove the Non borrowing Member XXXX . Borrowing member XXXX to sign the Note in the Business capacity and individually. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-13): Client elects to waive
based on It technically meets guide language, just not the signature block
picture. |
04/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||
| XXXXX | 4000120189 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX | Reviewer Comment (2026-04-01): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): updated insurance with RCE Reviewer Comment (2026-03-23): FNMA isn't based on XXXX% of the loan amount. Its XXXX% of the value of the property. Without an RCE its XXXX% of the appraisal cost new which is $XXXX. Buyer Comment (2026-03-23): Comment from XXXX (XXXX): The subject loan amount is only $XXXX, as per the guideline, the coverage is 80% of replacement cost or loan amount, which is lower, please check and advise, thanks |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119983 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Need the first page of the 1-4 Family Rider. | Reviewer Comment (2026-03-23): Received 1-4 Family Rider.
Exception cleared. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118224 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000121117 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116073 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-06): Clearing based on review
coming back within tolerances. |
04/06/2026 | No | 1 | A | A | A | A | A | NY | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000120982 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-09): Clearing based on review
coming back within tolerances. Reviewer Comment (2026-04-09): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-04-09): Comment from XXXX (XXXX): Please provide update |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000120982 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000120870 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. | Reviewer Comment (2026-04-13): Provided. Cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): e signed consent Reviewer Comment (2026-04-07): Received Borrower's Authorization. Please provide E-Sign Consent Agreement. Exception remains. Seller Comment (2026-04-07): Comment from XXXX (XXXX): borrower's authorization form uploaded |
04/13/2026 | 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 | ||||||||||
| XXXXX | 4000120870 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Clearing based on review
coming back within tolerances. |
04/20/2026 | 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 | ||||||||||||
| XXXXX | 2000000501 | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Provide all pages of the PUD rider, missing page 3 signature page. | Reviewer Comment (2026-04-10): Received Signed Rider -
PUD. Exception cleared. Buyer Comment (2026-04-10): PUD |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000501 | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Provide all pages of the 1-4 family rider, missing signature page. | Reviewer Comment (2026-04-10): Received Signed Rider - 1-4
Family. Exception cleared. Buyer Comment (2026-04-10): 1-4 rider |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121898 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Enhanced Review order
cancelled by the client. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 6000114041 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus XXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee. Fee increased from XXXX to XXXX without a valid change of circumstance or cure | Reviewer Comment (2026-02-27): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Reviewer Comment (2026-02-26): PCCD and LOE were received; however, they both indicate that a refund was also sent to the borrower for the $XXXX XXXX Guaranty Fee. Please also provide a copy of the refund check and proof of delivery to the borrower of the cure and documents. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000114041 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | No | 2 | A | A | A | A | A | TX | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 4000127378 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000127378 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor check is missing for gift funds in the amount of $XXXX. | Reviewer Comment (2026-04-30): Received wire confirmation.
Exception cleared. Seller Comment (2026-04-30): Comment from XXXX (XXXX): please see attached Reviewer Comment (2026-04-30): Required wire confirmation are donor withdrawal slip to clear the exception. Exception remains. Buyer Comment (2026-04-30): Comment from XXXX (XXXX): gift funds sent via wire $XXXX - listed on Final CD Section L |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000127378 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-05-22): Received updated 1003 Seller Comment (2026-05-21): Comment from XXXX (XXXX): 1003 Reviewer Comment (2026-05-20): Provide corrected 1003 with borrower signature, Exception remains. Seller Comment (2026-05-20): Comment from XXXX (XXXX): Updated 1003 with payment amount corrected Reviewer Comment (2026-05-18): As per statement total amount due is $794.87 which includes tax and insurance. Provide corrected 1003 with PITIA. Exception remains. Seller Comment (2026-05-18): Comment from XXXX (XXXX): Please see attached updated 1003 - updating the Taxes/Insurance to $XXXX for property at: XXXX Reviewer Comment (2026-05-05): Per Final 1003. Taxes and Insurance are escrowed and additional monthly payment of $XXXX is listed and not documented. Exception remains. Buyer Comment (2026-05-05): Comment from XXXX (XXXX): Please advise where the additional $XXXX is listed Reviewer Comment (2026-04-30): Required source document for other payment of $XXXX. Exception remains. Seller Comment (2026-04-30): Comment from XXXX (XXXX): Please see attached |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000126461 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000126461 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-04-30): Rental income not being
used to qualify Seller Comment (2026-04-30): Comment from XXXX (XXXX): We are not using rental income from XXXX. Please waive this condition. |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000127913 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-07): Clearing based on review
coming back within tolerances. |
05/07/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000127199 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-05-19): Received Hazard Insurance
Policy with Effective Date XXXX. Exception cleared. Seller Comment (2026-05-19): Comment from XXXX (XXXX): ins |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127331 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-07): Clearing based on review
coming back within tolerances. |
05/07/2026 | No | 1 | A | A | A | A | A | PA | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000127097 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to proceed with 21 financed properties. Comp Factors : XXXX months in reserves, experienced investor. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-05): Client elects to
waive/regrade with compensating factors. |
05/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000128465 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in file. | Reviewer Comment (2026-05-20): Received Prepayment Note
Addendum. Exception cleared. Seller Comment (2026-05-20): Comment from XXXX (XXXX): PPP Note addendum |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000126897 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126195 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor gift check or wire is missing for the $XXXX gift funds. | Reviewer Comment (2026-05-07): Donor Check provided.
Cleared. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Cashiers check for the gift from the title company |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000126831 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-05-07): Received, cleared Seller Comment (2026-05-07): Comment from XXXX (XXXX): Articles of Organization, |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126831 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-05-07): Received, cleared Buyer Comment (2026-05-07): Comment from XXXX (XXXX): uploaded with the first condition documents |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126831 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Reviewer Comment (2026-05-07): Received, cleared Buyer Comment (2026-05-07): Comment from XXXX (XXXX): uploaded with the first condition documents |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126831 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-05-07): Received, cleared Buyer Comment (2026-05-07): Comment from XXXX (XXXX): uploaded with the first condition documents |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000128999 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128999 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | Declaration A reflects occupancy as Primary whereas subject is Investment property, as well as appraisal lists property as Owner Occupied. | Reviewer Comment (2026-05-08): Corrected 1003 provided.
Cleared. Seller Comment (2026-05-08): Comment from XXXX (XXXX): Please see the correct final 1003, which reflects the occupancy as an investment property. For the owner occupant indicated in the appraisal report, it reflects the current occupancy status of the subject property at the time of appraisal inspection. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000126531 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129011 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Received cut off copy of Permanent resident card. | Reviewer Comment (2026-05-08): Received Permanent resident
card, Exception Cleared. Seller Comment (2026-05-08): Comment from XXXX (XXXX): Please see the Permanent Resident Card for the borrower. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128700 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129154 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-12): Clearing based on review
coming back within tolerances. |
05/12/2026 | 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 | |||||||||||||||
| XXXXX | 4000128482 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit Report is more than XXXX days. | Reviewer Comment (2026-05-08): After further review,
exception has been cleared. Seller Comment (2026-05-08): Comment from XXXX (XXXX): Credit report was reissued XXXX (58 days ago). Reuploaded, please clear. |
05/08/2026 | 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 | |||||||||||||
| XXXXX | 4000127961 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-13): Clearing based on review
coming back within tolerances. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126395 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-08): Accepted as is. |
05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129116 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000129116 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment (2026-05-14): XXXX received final CD with
correct information. Seller Comment (2026-05-13): Comment from XXXX (XXXX): Please see attached |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000129116 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000129700 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-14): Clearing based on review
coming back within tolerances. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129700 | XXXXX | XXXXX | 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 (2026-05-13): Received, Clearing. Seller Comment (2026-05-12): Comment from Post Closing (XXXX): Please see attached |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126295 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Borrower signed document at closing stating appraisal was delivered to borrower by or at closing. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128263 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127327 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127327 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127208 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-15): Cleared based on review
coming back within tolerances |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127208 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report included in the loan file is incomplete | Reviewer Comment (2026-05-14): Received, Clearing. Seller Comment (2026-05-13): Comment from XXXX (XXXX): Fraud Report |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127794 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000127794 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Credit requirements not met. Two tradelines are required within the last 24 months showing twelve-month history. Current housing not reporting on credit can be considered an open trade if supported by bank records (cancelled checks/debits). | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-15): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-05-15): Comment from XXXX (XXXX): see attached |
05/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VA | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129974 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-15): Cleared based on review
coming back within tolerances |
05/15/2026 | 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 | |||||||||||||||
| XXXXX | 4000128463 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The appraisal was not provided to the applicant within 3 business days prior to consummation. | Reviewer Comment (2026-05-13): Accepted as is. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127442 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | First page of Title Commitment in file only. | Reviewer Comment (2026-05-14): Received, Clearing. Seller Comment (2026-05-14): Comment from XXXX (XXXX): Title commitment w/all pages. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127442 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Commitment is missing. First Page in file only. | Reviewer Comment (2026-05-14): Received, Clearing. Seller Comment (2026-05-14): Comment from XXXX (XXXX): Title commitment w/all pages |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129635 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-18): Clearing based on review
coming back within tolerances. |
05/18/2026 | 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 | |||||||||||||||
| XXXXX | 4000129927 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Closed loan: Max XXXX% LTV but with seller contributions of $XXXX, LTV went to XXXX%, so the sale price must be reduced. Approved with comp factors of DSCR XXXX, FICO XXXX, and 0x30x24. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-05-14): Lender exception
approved |
05/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129636 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-18): Clearing based on review
coming back within tolerances. |
05/18/2026 | 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 | |||||||||||||||
| XXXXX | 4000128264 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128264 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130160 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XXXX used as disbursement date for compliance testing. | Evidence of disbursement date not found in file. Note, Interest Accrual Start Date of XXXX used as disbursement date for compliance testing. Missing CDs and LEs. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | C | B | D | B | A | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 4000130160 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | No document containing fees was provided. Any applicable Federal, State, or Local compliance testing is unreliable. Missing CDs and LEs. | Reviewer Comment (2026-05-18): HUD-1 provided. Cleared. Seller Comment (2026-05-18): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-05-18): HUD was not provided in trailing documents. Exception remains Buyer Comment (2026-05-18): Comment from XXXX (XXXX): No CDs and LEs for investment properties - HUD-1 provided |
05/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | C | B | D | B | A | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 4000130160 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | 1-4 Family information was not provided. | Reviewer Comment (2026-05-18): Received Rider - 1-4
Family. Exception cleared. Seller Comment (2026-05-18): Comment from XXXX (XXXX): Please see attached |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | C | B | D | B | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 4000130160 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount (no final title policy was found in file). | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | C | B | D | B | A | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 4000130160 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | NEW EXCEPTION Upon receipt of HUD-1 | Reviewer Comment (2026-05-26): Received Invoice's for POCB
amount's included in assets. Available for reserves is sufficient to meet
guideline reserves requirement. Exception cleared. Seller Comment (2026-05-26): Comment from XXXX (XXXX): POC invoices Reviewer Comment (2026-05-26): We need the poc paid invoices to use for assets. Buyer Comment (2026-05-22): Comment from XXXX (XXXX): Why are the Realtor credit of $XXXX and POCB of $XXXX being included in the funds to close? Shouldn't we just be looking at the net closing costs of $XXXX, then add the 3 months reserves of $XXXX to get the minimum funds to close of $XXXX? If borrower is showing $XXXX in assets, that should cover it. Reviewer Comment (2026-05-22): Bank statement #XXXX reflecting a balance of $XXXX has been included in assets. Available funds for Closing $XXXX(#XXXX account funds $XXXX+XXXX account funds $XXXX+Gift Funds $XXXX). The cash from borrower required per the HUD is $XXXX, which includes cash to close of $XXXX, Gift Funds of $XXXX,Realtor credit of $XXXX and POCB of $XXXX. Available for Reserves is $XXXX, and required reserves total $XXXX, representing three months of PITIA at $XXXX. Total Funds Required are $XXXX.Please provide additional assets to cover the shortfall. Exception remains. Buyer Comment (2026-05-21): Comment from XXXX (XXXX): The bank statements provided show $XXXX for reserves. How much are you showing needs to be available? Reviewer Comment (2026-05-21): Gifts funds are excluded from reserves. Exception remains. Buyer Comment (2026-05-21): Comment from XXXX (XXXX): Please advise what assets you're reviewing to show XXXX months reserves. borrower had to show 3 months $XXXX and funds verified with bank statement is $XXXX. The XXXX was wired as gift for closing. Reviewer Comment (2026-05-20): Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Required additional assets to clear the exception. Exception remains. Seller Comment (2026-05-20): Comment from XXXX (XXXX): Attaching 1008 that reflects what reserves we have and bank statement for account confirming reserves that match 1008. Please advise what else would be needed to confirm reserves |
05/26/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | D | B | C | B | D | B | A | A | N/A | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 4000129115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000129115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000129115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000129115 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | No cure provided. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000128679 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 Policy is within CA and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000128679 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000130418 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-19): Clearing based on review
coming back within tolerances. |
05/19/2026 | No | 1 | A | A | A | A | A | MI | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000128818 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Certificate of Delivery ( D0211 ) reflects Appraisal sent XXXX. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Certificate of Delivery ( D0211 ) reflects Appraisal sent XXXX. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128515 | XXXXX | XXXXX | 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 three (3) business days of application. | Loan Estimate signed and dated by Borrower on XXXX. | Reviewer Comment (2026-05-22): XXXX upon review as per the
1003 with all 6 pieces of information and purchase contract the application
is dated XXXX. Seller Comment (2026-05-20): Comment from XXXX (XXXX): Please see attached disclosure LE tracking confirming it was e-delivered on XXXX. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128515 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. No cure provided. | Reviewer Comment (2026-05-26): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Seller Comment (2026-05-22): Comment from XXXX (XXXX): Please see attached PCCD cure docs. Total cure is XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128515 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased from $XXXX to $XXXX. No cure provided. | Reviewer Comment (2026-05-26): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Buyer Comment (2026-05-22): Comment from XXXX (XXXX): See uploaded docs on prior condition with a total cure of $XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130161 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000130695 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance is sufficient. | Reviewer Comment (2026-05-26): Received, Clearing. Seller Comment (2026-05-26): Comment from XXXX (XXXX): RCE Reviewer Comment (2026-05-19): Shortage is still $XXXX with the extended coverage. Seller Comment (2026-05-19): Comment from XXXX (XXXX): replacement cost and extended dwelling coverage of 25% |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130695 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | NH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000126506 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title does not list coverage amount. | Reviewer Comment (2026-05-18): Accepted as is. |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127529 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000130301 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000128840 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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. 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 (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000128840 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file was missing a copy of Corporate Resolution. | Reviewer Comment (2026-05-19): Not applicable for LLC Buyer Comment (2026-05-19): Comment from XXXX (XXXX): Not required. XXXX |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128840 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file was missing a copy of Operating Agreement. | Reviewer Comment (2026-05-19): Received Operating
Agreement. Exception cleared. Seller Comment (2026-05-19): Comment from XXXX (XXXX): attached |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128840 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000127697 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 Policy is within CA and does not reflect a coverage amount (Final Title Policy was not found in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 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 | |||||||||||||
| XXXXX | 4000127697 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for no primary residence or housing expense. Compensation factors include FICO 20+ over minimum, substantial reserves and LTV well below maximum allowed. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-19): Lender exception
approved |
05/19/2026 | 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 | ||||||||||||
| XXXXX | 4000129412 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | NM | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000130685 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | PA | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129333 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129906 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Cleared based on review
coming back within tolerances Reviewer Comment (2026-05-28): Reopened Reviewer Comment (2026-05-26): Clearing based on review coming back within tolerances. |
05/28/2026 | No | 1 | A | A | A | A | A | CO | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129529 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA does not reflect a coverage amount (no final title policy in file). Unable to determine coverage amount. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000129529 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing EIN. | Reviewer Comment (2026-05-20): Received Employer
Identification Number. Exception cleared. Seller Comment (2026-05-20): Comment from XXXX (XXXX): Kindly see attached document. Thank you |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000130768 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | AL | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000128767 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000128767 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Flood Insurance Coverage Amount is insufficient. | Reviewer Comment (2026-05-20): Received updated flood
insurance policy with sufficient coverage. Exception cleared. Seller Comment (2026-05-20): Comment from XXXX (XXXX): Hello, please see revised insurance |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000130712 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines, all interested persons' signatures are required in the Security Instrument. Please provide an updated Security Instrument signed by guarantor XXXX. | Reviewer Comment (2026-05-21): After further review,
exception has been cleared. Buyer Comment (2026-05-21): Comment from XXXX (XXXX): N/A - the borrower for this loan is XXXX. |
05/21/2026 | No | 1 | A | A | A | A | A | KS | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000128349 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128349 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | Exception for minimum tradelines requirement. Borrower has a long history of credit and three credit scores; however, she does not meet the program requirement. Exception approved with -XXXX LPA. No other exceptions allowed and subject to final review. Comp factors include >XXXX DSCR, less than XXXX% LTV, XXXX months of reserves. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-20): Client elects to waive with
compensating factors |
05/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129434 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing copy of Insurance Verification . | Reviewer Comment (2026-05-21): Received signed copy of
1008, 1003 and closing statement. Exception cleared. Seller Comment (2026-05-21): Comment from XXXX (XXXX): SIGNED DOCS Reviewer Comment (2026-05-20): Received seller's final settlement statement confirms that the property located at XXXX was sold on XXXX. As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $XXXX for the same property have been included in the DTI calculation. Received updated 1003 and closing statement are unsigned. Please provide updated 1008, signed copy of updated 1003 at closing and signed copy of the closing statement. Exception remains. Seller Comment (2026-05-20): Comment from XXXX (XXXX): XXXX IS SOLD |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129434 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000127967 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-27): Clearing based on review
coming back within tolerances. |
05/27/2026 | No | 1 | A | A | A | A | A | AL | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000126963 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state the file must also contain a 12-month payment history (or since origination, whichever is less) for all mortgages (including subordinate liens) associated with the subject property and the borrower's primary residence. Mortgage history must be verified from the credit report or other acceptable documentation, such as a Verification of Mortgage (VOM) completed by a financial institution. The borrower has provided a VOM from an individual to document the prior mortgage history of a land contract on the subject property. The VOM confirms the land contract is paid and has had no late payments. The land contract was paid in full as of the most recent sale of the home in XXXX. The property is currently free and clear. Exception Approved - Comp Factors: XXXX FICO, XXXX months in reserves. Loan will be subject to final review with no additional exceptions. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-20): Lender exception
approved |
05/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126963 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-27): Clearing based on review
coming back within tolerances. |
05/27/2026 | No | 1 | A | A | A | A | A | MI | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129804 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Commitment in file is for $XXXX. The Loan amount is $XXXX. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129570 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-27): Clearing based on review
coming back within tolerances. |
05/27/2026 | No | 1 | A | A | A | A | A | NY | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129033 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131035 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | D | B | A | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131035 | XXXXX | XXXXX | 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. | Property is located in a FEMA disaster area and has not been inspected. | Reviewer Comment (2026-05-26): Disaster Inspection is not
required. Exception cleared. Seller Comment (2026-05-26): Comment from XXXX (XXXX): Rebuttal on disaster findings |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000131035 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal Report Form (1004) not provided. | Reviewer Comment (2026-05-26): Received Appraisal.
Exception cleared. Seller Comment (2026-05-22): Comment from XXXX (XXXX): appraisal 1004 |
05/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | B | A | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000131035 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-06-18): Comment from XXXX (XXXX): approved exception for less reserves Reviewer Comment (2026-05-26): As per XXXX guide reserves required for subject is 6 months and (2) Months Incremental PITIA Per each Financed Property. Exception remains. Seller Comment (2026-05-26): Comment from XXXX (XXXX): rebuttal on reserves findings |
06/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | D | B | A | B | A | A | N/A | N/A | No | ||||||||
| XXXXX | 4000131035 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | CA | Investment | Purchase | D | B | D | B | A | B | A | A | N/A | N/A | No | ||||||||||||||||
| XXXXX | 4000131035 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-06-18): Received UCDP Submission
Summary report with CU/LCA score less than 2.5. Hence, Secondary Valuation is
not required. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Fannie & Freddie SSR |
06/18/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | D | B | D | B | A | B | A | A | N/A | N/A | No | |||||||||||||||||
| XXXXX | 4000127480 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000127480 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Effective date XXXX. Disbursement date is XXXX per final CD. Please provide final signed settlement statement confirming XXXX disbursement date | Reviewer Comment (2026-05-22): Received, Clearing. Seller Comment (2026-05-22): Comment from XXXX (XXXX): Hello, please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127480 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Missing explanation for large deposit in the amount of $XXXXon XXXX into account ending XXXX | Reviewer Comment (2026-05-26): As per XXXX guidelines,
documentation of the source of the large deposit is not required. Exception
cleared. Seller Comment (2026-05-22): Comment from XXXX (XXXX): Hello, please see attached. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127310 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor check is missing for the gift funds in the amount of $XXXX. | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-28): Comment from XXXX (XXXX): final 1003 Reviewer Comment (2026-05-27): Updated 1003 required borrower signature. Exception remains. Seller Comment (2026-05-27): Comment from XXXX (XXXX): updated 1003 with gift amount of $XXXX. Reviewer Comment (2026-05-26): Donor check for the gift amount of $XXXX has not been received. Exception remains. Seller Comment (2026-05-26): Comment from XXXX (XXXX): XXXX gift fund docs |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129805 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The co-applicant, XXXX needs to sign the security instrument in her capacity as member(s) and/or manager(s) of the business entity. | Reviewer Comment (2026-05-27): The security agreement is
signed by the member who has authority to sign on behalf of the business Seller Comment (2026-05-27): Comment from XXXX (XXXX): XXXX: Please see the guidelines where it shows the primary borrower will be the member who is designated to sign on behalf of the business entity in the closing package. The Note must be signed by the applicants in their individual capacity and at least one borrower as member(s) and/or manager(s) of the business entity. The Mortgage/Deed of Trust/security instrument should be signed by the borrower in their capacity as member and/or manager of the business entity. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127710 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130213 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130213 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing 12 months Verification of Mortgage for current mortgage. | Reviewer Comment (2026-05-27): Received 11 Months Payment
history from the provided pay history and One month from Mortgage Statement.
Exception cleared. Seller Comment (2026-05-27): Comment from XXXX (XXXX): We're providing XXXX payment proof to satisfy the 12 months payment. Reviewer Comment (2026-05-27): Since 12 is required per guidelines we would need proof the XXXX payment was made. Buyer Comment (2026-05-26): Comment from XXXX (XXXX): The first payment to XXXX was due on XXXX and that payment was included in the payoff demand. The subsequent 11 payments were provided through the payment history from XXXX, which should satisfy the 12-month payment history requirement. Reviewer Comment (2026-05-26): We need a payment history from them that shows if the payments were made on time for the last 12 months. Seller Comment (2026-05-26): Comment from XXXX (XXXX): Yes, the current servicer prior to our refinance transaction was XXXX. However, if you review the note provided, you'll see that it was executed in XXXX, with the first payment due to XXXX on XXXX. The payment history from XXXX provided reflects the consecutively prior servicer before XXXX. Can you clarify what you mean by the payment history not corresponding? Reviewer Comment (2026-05-22): First Mortgage is with XXXXXX XXXX per 1003 with a payment of $XXXXX Pay history provided does not correspond. Exception remains. Seller Comment (2026-05-22): Comment from XXXX (XXXX): Please see attached. This was included in the shipping package. Please let us know if there's anything else needed. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128046 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128242 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Clearing based on review
coming back within tolerances. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000128242 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129622 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129622 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130632 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Clearing based on review
coming back within tolerances. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130300 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Clearing based on review
coming back within tolerances. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131627 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient, and a Replacement Cost Estimator was not provided in file. Coverage is short $XXXX. | Reviewer Comment (2026-06-26): Received new policy with
sufficient covergage. Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): increased coverage Reviewer Comment (2026-06-18): New policy is the same amount as prior. XXXX is short coverage. Seller Comment (2026-06-18): Comment from XXXX (XXXX): update to policy |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131627 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not provided. | Reviewer Comment (2026-05-28): Note Addendum - Prepayment,
cleared Seller Comment (2026-05-28): Comment from XXXX (XXXX): PPP addendum attached |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000130545 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Reviewer Comment (2026-05-27): Received Closing statement
confirming that the Net Proceeds from Sale of Real Estate of property XXXX
included in assets. Hence Assets Available for Closing is sufficient to cover
Cash From Borrower. Exception cleared. Seller Comment (2026-05-27): Comment from XXXX (XXXX): She sold a property, which gave her the funds to close. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130545 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3. | Reviewer Comment (2026-05-27): Received Closing statement
confirming that the Net Proceeds from Sale of Real Estate of property XXXX
included in assets. Hence Available for Reserves is sufficient to meet
guideline reserves requirement. Exception cleared. Seller Comment (2026-05-27): Comment from XXXX (XXXX): She sold a property, which gave her the funds to close. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128442 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent Comparison Schedule is missing. Occupancy and Income were calculated in 1004 Short Term Rental Narrative. | Reviewer Comment (2026-06-01): Received the supplemental
appraisal form along with the main appraisal, confirming that the short-term
rental income meets the guideline requirements. Exception cleared. Seller Comment (2026-06-01): Comment from XXXX (XXXX): please see attached |
06/01/2026 | 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 | ||||||||||||||
| XXXXX | 4000128442 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided | Listing for short term vacation rental was not provided in file. | Reviewer Comment (2026-06-03): Received, Clearing. Seller Comment (2026-06-02): Comment from XXXX (XXXX): The subject property was a vacant property and was recently renovated which was considered for this transaction as per the below snippet of guideline Reviewer Comment (2026-05-28): XXXX STR income may be documented using a supplemental appraisal form completed by the licensed appraiser who performed the original appraisal. This form must accompany and be a part of the original appraisal § Income may be verified through a third-party property management provider OR Vendors such as XXXX, XXXX, and HomeAway XXXX are acceptable - Documentation must include the property address or a unique property ID specific to the subject property. Buyer Comment (2026-05-28): Comment from XXXX (XXXX): Please advise the reference of guideline on the basis of which you are asking for this document? We could not locate any point in the guideline which asks for Vacation Rental Website Listing Exception in DSCR files. Reviewer Comment (2026-05-26): As per supplemental addendum from appraisal, it is short-term rental hence required Vacation Rental Website Listing Exception remains. Buyer Comment (2026-05-26): Comment from XXXX (XXXX): Guideline doesn't mention specifically short-term rental listing. So, short- term vacation listing is not required for this loan. |
06/03/2026 | 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 | ||||||||||||||
| XXXXX | 4000129090 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129090 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130353 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130724 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-05): XXXX received valid COC
dated XXXX Seller Comment (2026-06-03): Comment from XXXX (XXXX): LOX Reviewer Comment (2026-06-03): XXXX: The receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. Provide additional information with supporting documentation of timeline for review or Cure would be due to borrower. Seller Comment (2026-06-01): Comment from XXXX (XXXX): APPRAISAL INVOICES Reviewer Comment (2026-06-01): XXXX received COC dated XXXX stating " Due to property type which appraiser is requiring higher fee. Kindly provide additional information about the property type changed which impacted higher fee or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-05-29): Comment from XXXX (XXXX): COC |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130724 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Sufficient cure was provided to the borrower. | Reviewer Comment (2026-05-28): Cured at closing or within
60 days of consummation prior to TPR review Seller Comment (2026-05-27): Comment from XXXX (XXXX): LOX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130724 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Clearing based on review
coming back within tolerances. |
05/28/2026 | No | 1 | A | A | A | A | A | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000130724 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-06-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000129872 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-05-26): Received Corporate
resolution. Exception cleared. Seller Comment (2026-05-26): Comment from XXXX (XXXX): XXXX: Please see the attached corporate resolution for XXXX. This is sufficient as a standalone document, and an operating agreement is not required. |
05/26/2026 | 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 | |||||||||||||||
| XXXXX | 4000129872 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Clearing based on review
coming back within tolerances. |
05/28/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000131762 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | 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 or Field Review effective date does not match the Appraisal's effective date. | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-28): Comment from XXXX (XXXX): CDA |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000131762 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Verification of last 12 months rental payments for borrower's primary housing was not provided in file. | Reviewer Comment (2026-05-22): Documentation received
borrower owns primary free and clear Seller Comment (2026-05-22): Comment from XXXX (XXXX): Primary residence is owned free and clear |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000129040 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129040 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129040 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-05-27): Received bank statements.
Exception cleared. Seller Comment (2026-05-27): Comment from XXXX (XXXX): XXXX: Please see the attached assets statement showing that the file does have enough funds for cash to close and reserves. Cash to close is XXXX and reserves is XXXX so total is XXXX. The asset account in file showing ending balance of XXXX. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000129040 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan is short 6 mos. reserve requirement. | Reviewer Comment (2026-05-27): Received bank statements.
Exception cleared. Seller Comment (2026-05-27): Comment from XXXX (XXXX): XXXX: Please see the attached assets statement showing that the file does have enough funds for cash to close and reserves. Cash to close is XXXX and reserves is XXXX so total is XXXX. The asset account in file showing ending balance of XXXX. |
05/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129040 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-05-27): Received bank statements.
Exception cleared. Seller Comment (2026-05-27): Comment from XXXX (XXXX): XXXX: Please see the attached assets statement showing that the file does have enough funds for cash to close and reserves. Cash to close is XXXX and reserves is XXXX so total is XXXX. The asset account in file showing ending balance of XXXX. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131006 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Clearing based on review
coming back within tolerances. |
05/28/2026 | No | 1 | A | A | A | A | A | MA | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129647 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129647 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-27): Received E-sign Consent
Agreement. Exception cleared. Seller Comment (2026-05-26): Comment from XXXX (XXXX.): eConsent attached. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129647 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy within CA does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129354 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | HELOC Agreement is missing for Proceeds from Secured Loan. | Reviewer Comment (2026-05-27): Received Closing Disclosure
for Secured Loan. Exception cleared. Buyer Comment (2026-05-26): Comment from Post Closing (XXXX): This is a first-lien loan.Thank you. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129354 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-05-28): Received Closing Disclosure
confirming that the Net Proceeds from Refinance of property XXXX included in
assets. Hence Available for Reserves is sufficient to meet guideline reserves
requirement. Exception cleared. Seller Comment (2026-05-27): Comment from Post Closing (XXXX): Please see attached |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129354 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verification of Secured Loan used for Down payment/reserves was not verified in the file. Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Reviewer Comment (2026-05-27): Received Closing Disclosure
for Net Proceeds from secured Loan included in assets. Available for Closing
is sufficient to cover Cash from Borrower. Exception cleared. Seller Comment (2026-05-26): Comment from Post Closing (XXXX): Please see the final closing statement for the combined cash-out loan.Thank you |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131324 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review
coming back within tolerances. |
05/29/2026 | 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 | |||||||||||||||
| XXXXX | 4000129495 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided. | Reviewer Comment (2026-06-08): XXXX Received Valid COC
dated XXXX along with supporting Email. Seller Comment (2026-06-04): Comment from XXXX (XXXX): email for the appraisal fee Reviewer Comment (2026-06-03): Cure provided at closing for the appraisal completion fee exceeds 0% tolerance and provided COC dated XXXX for the appraisal fee increased does not give sufficient information on reason for the fee was increased. Provide valid COC for the fee was increased or Cure is required to borrower. Reviewer Comment (2026-06-03): Re-open - Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-28): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-27): Comment from XXXX (XXXX): Not sure where $XXXX is coming from - second appraisal charge was $XXXX (I cured the $XXXX in Appraisal Completion Fees on the final cd. Please advise |
06/08/2026 | 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 | |||||||||
| XXXXX | 4000129495 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided. | Reviewer Comment (2026-05-28): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-05-27): Comment from XXXX (XXXX): COC |
05/28/2026 | 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 | |||||||||
| XXXXX | 4000129495 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment (2026-05-27): New Construction. NRTC not
required. Cleared. Buyer Comment (2026-05-27): Comment from XXXX (XXXX): This is new construction, borrower hadn't lived in property before the closing - no RTC needed. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129495 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-27): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-05-27): Comment from XXXX (XXXX): E-Consent |
05/27/2026 | 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 | ||||||||||
| XXXXX | 4000129495 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | XXXX the Appraisal Completion fee were charged on CD dated XXXX6 for $XXXX. Kindly provide a valid COC for the fee charged or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-06-03): Cured at closing or within
60 days of consummation prior to TPR review Seller Comment (2026-05-31): Comment from XXXX (XXXX): appraisal fee increase coc |
XXXXX | No | 2 | B | B | B | B | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000129495 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000127844 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-05-26): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000127844 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-12): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-11): Comment from XXXX (XXXX): misc Reviewer Comment (2026-06-11): XXXX received PCCD, LOE, Refund Check and Proof of Mailing. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-06-10): Comment from XXXX (XXXX): PCCD Reviewer Comment (2026-06-05): XXXX received PCCD, LOE and proof of mailing. Missing copy of refund check. Please provide copy of refund check to cure the exception. Seller Comment (2026-06-03): Comment from XXXX (XXXX): misc Reviewer Comment (2026-06-03): XXXX received corrected PCCD and LOE but as per LOE the copy of refund check to be issued but no copy of check is provided for review. Please provide copy of refund check and proof of mailing to cure this exception. Seller Comment (2026-06-02): Comment from XXXX (XXXX): PCCD, LOX Shipping Reviewer Comment (2026-06-01): XXXX received Final SS with lender credit of $XXXX. However, we would require Post CD along with detail LOX to reflect $XXXX inner column under section J. Seller Comment (2026-05-29): Comment from XXXX (XXXX): XXXX has provided the final settlement statement which shows a lender credit that totals $XXXX($XXXX for the increased appraisal fee; $XXXX for the increased credit report fee). The final settlement statement shows the final credit report charge is $XXXX, the original amount disclosed was $XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000127844 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-03): Cured at closing or within
60 days of consummation prior to TPR review Seller Comment (2026-06-02): Comment from XXXX (XXXX): PCCD, LOX Shipping Reviewer Comment (2026-06-01): XXXX received Final SS with lender credit of $XXXX However, we would require Post CD along with detail LOX to reflect $XXXX inner column under section J. Seller Comment (2026-05-29): Comment from XXXX (XXXX): XXXX has provided the final settlement statement which shows a lender credit that totals $XXXX($XXXX for the increased appraisal fee; $XXXX for the increased credit report fee). The final settlement statement shows the final credit report charge is $XXXX, the original amount disclosed was $XXXX |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131049 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131049 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review
coming back within tolerances. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review
coming back within tolerances. |
05/29/2026 | 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 | ||||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. (XXXX/S-Corp) | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | Reviewer Comment (2026-06-16): Received, Clearing. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Uploaded docs for review. Thank you |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Security Instrument did not disclose that loan is a Texas Home Equity Loan) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Security instrument does not disclose that the loan is a TX Home Equity/50(a)(6) Loan. | Reviewer Comment (2026-06-16): Received, Clearing. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Uploaded docs for review. Thank you |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Reviewer Comment (2026-06-16): Received, Clearing. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Uploaded docs for review. Thank you |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Extension and Renewal Rider is missing in the file. | Reviewer Comment (2026-06-16): Received updated security
instrument with no rider requirement. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Extension and Renewal Rider is not needed. |
06/16/2026 | 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 | |||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 2025 1120-S or 7004 tax extension | Reviewer Comment (2026-06-26): Received, Clearing. Reviewer Comment (2026-06-26): Most recent tax returns not received. Exception remains. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Uploaded Documentation to clear the suspense. Reviewer Comment (2026-06-22): Tax returns are not the most recent, 7004 required Seller Comment (2026-06-22): Comment from XXXX (XXXX): Can you please escalate these to be waived? The only transcripts we need are 1040 transcripts per guides. |
06/26/2026 | 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 | ||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing 2025 1120S return or evidence of business return extension | Reviewer Comment (2026-06-26): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Uploaded Documentation to clear the suspense. Reviewer Comment (2026-06-22): 2025 returns are not the most recent 7004 extension required Seller Comment (2026-06-22): Comment from XXXX (XXXX): Can you please escalate these to be waived? The only transcripts we need are 1040 transcripts per guides. |
06/26/2026 | 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 | |||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing 2025 1120S return or evidence of business return extension | Reviewer Comment (2026-06-26): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Uploaded Documentation to clear the suspense. Reviewer Comment (2026-06-22): The tax returns provided are not the most recent, therefore evidence of business tax return extension is required. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Can you please escalate these to be waived? The only transcripts we need are 1040 transcripts per guides. |
06/26/2026 | 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 | ||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Reviewer Comment (2026-06-19): Clearing for updated. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Please see attached |
06/19/2026 | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000129343 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by borrower or lender at or before closing. | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by borrower or lender at or before closing. | Reviewer Comment (2026-06-22): Cleared- with signed/dated
XXXX disclosure Seller Comment (2026-06-22): Comment from XXXX (XXXX): Closing XXXX Reviewer Comment (2026-06-19): The document was signed XXXX but the loan closed XXXX. Seller Comment (2026-06-19): Comment from XXXX (XXXX): See attached |
06/22/2026 | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000127962 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided | Trust Agreement is missing. Note signed by Trustees. | Reviewer Comment (2026-05-28): Trust Agreement provided.
Cleared. Seller Comment (2026-05-28): Comment from XXXX (XXXX): XXXX: please see the attached documentation. I've attached the trust agreement that matches the trust that was listed and signed under on the note. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129782 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review
coming back within tolerances. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127159 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130647 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The EIN is missing in the loan file; however, the borrower's business (XXXX) is a XXXX% owned sole proprietorship and does not have an EIN. As per XXXX state guidance, an EIN is not required for sole proprietors without employees. The borrower has been using their SSN in place of an EIN. Requesting an exception to allow the use of SSN in lieu of EIN. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-27): Client elects to waive with
compensating factors |
05/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | KS | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129808 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129468 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 6000121208 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-03-31): E-sign received, exception
cleared Buyer Comment (2026-03-27): PFA |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121208 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-24): CDFI lender testing ATR |
03/24/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121250 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | (Subject DSCR) of XXXX
does not meet Guideline Debt Service Coverage Ratio (Subject DSCR)
XXXX Remove/Clear Exceptions |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX Guideline Requirement: 0.00 |
Originator,SitusAMC | Reviewer Comment (2026-04-13): Waived with compensating
factors per lender approved exception. Buyer Comment (2026-04-09): Please see attached |
04/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXX | 6000121250 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Alternate tradelines form XXXX do not verify that there were no negative ending or starting balances or NSFs for the past XXXX months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX Guideline Requirement: 0.00 |
Originator,SitusAMC | Reviewer Comment (2026-04-13): Waived with compensating
factors per lender approved exception. Buyer Comment (2026-04-09): Please see attached |
04/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000128889 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-05-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129533 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The signature block on the Note is missing both individuals' member titles. | Reviewer Comment (2026-06-03): Received, Clearing. Buyer Comment (2026-06-02): Comment from XXXX (XXXX): Please review as it was agreed upon by XXXX and XXXX (XXXX) that LLC loans would be accept this way (Note- individual) (Security Instrument- LLC). Please escalate |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128812 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000128812 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-01): Clearing based on review
coming back within tolerances. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000130823 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Commitment Policy amount of $XXXX is less than the Note amount of $XXXX. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000131933 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-06-05): CDA, cleared Seller Comment (2026-06-05): Comment from XXXX (XXXX): CDA - Supports value |
06/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000131933 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Paystubs were missing from the file. | Reviewer Comment (2026-06-09): Received WVOE. Exception
cleared. Seller Comment (2026-06-09): Comment from XXXX (XXXX): WVOE Reviewer Comment (2026-05-28): Per FNMA, documents must be computer-generated or typed by the borrower's employer(s), although paystubs that the borrower downloads from the Internet are also acceptable. Documents must clearly identify the employer's name and source of information. Seller Comment (2026-05-28): Comment from XXXX (XXXX): XXXX paystub ledger |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131933 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The HOA Verification document was missing for address XXXX | Reviewer Comment (2026-05-28): Received HOA Verification.
Exception cleared. Seller Comment (2026-05-28): Comment from XXXX (XXXX): HOA info and amount listed on page 1 for REO |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000130598 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-01): Clearing based on review
coming back within tolerances. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129345 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The note is missing the signature block of the borrowing business entity. The note only reflects the individual signature line. The file is missing the LLC Rider establishing the connection between the individual and business. | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-28): Comment from XXXX (XXXX): Please see LLC showing borrower authority to execute note. Note is to individual as XXXX does not lend to entities. |
05/28/2026 | 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 | ||||||||||||||
| XXXXX | 4000129345 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | A | A | A | A | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000131030 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal document is missing in file. | Reviewer Comment (2026-05-29): Received Appraisal.
Exception cleared. Seller Comment (2026-05-29): Comment from XXXX (XXXX): appraisal |
05/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131030 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131030 | XXXXX | XXXXX | 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. | Exception due to missing appraisal | Reviewer Comment (2026-06-02): Appraisal available in
file. Exception cleared. Seller Comment (2026-06-01): Comment from XXXX (XXXX): Appraisal was already provided |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131030 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2026-06-02): Received UCDP Submission
Summary Report. Exception cleared. Seller Comment (2026-06-01): Comment from XXXX (XXXX): Fannie Mae SSR |
06/02/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000131030 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000129595 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | LOE for Intent to sell or Listing Agreement is missing for departure residence pending sale. | Reviewer Comment (2026-06-04): Received Appraisal report.
Exception cleared. Seller Comment (2026-06-04): Comment from XXXX (XXXX): see attached from our UW in file. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129595 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129439 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129439 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129439 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): 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 (2026-05-28): Received the lease
agreement for the REO property located at XXXX.. Exception cleared. Seller Comment (2026-05-28): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
05/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129439 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Lease agreement is missing. | Reviewer Comment (2026-05-28): Received the lease
agreement for the REO property located at XXXX.. Exception cleared. Seller Comment (2026-05-28): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129439 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-05-28): Received the lease
agreement for the REO property located at XXXX.. Exception cleared. |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129439 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement document is missing in file for REO: XXXX. | Reviewer Comment (2026-05-28): Received the lease
agreement for the REO property located at XXXX.. Exception cleared. Seller Comment (2026-05-28): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129539 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The appraisal was not provided to the borrower within 3 business days of the note date. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126999 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower was awarded property on divorce decree; it is not a buyout as Borrower is not paying the ex-spouse. Anything from the property (per FNMA guides, this is allowed for the Rate/Term) and no cash is taken out. Only ex-spouse is on the Note; both parties are on title. Ex-spouse is on the Note. Both parties are on the title. Ex-spouse refinanced on XXXX. We have VOM monthly statements since then, fully executed. Closing Disclosure of the REFI. Asking for consideration of this documentation to satisfy the housing history on the subject property and for the loan to stay as Rate/Term based on FNMA guides. Also, income documents are assets. Lender exception approved. Compensating factors: strong FICO, low LTV, and DTI. | Borrower has verified disposable income of at least
$2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-28): Client elects to
waive/regrade with compensating factors. |
05/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | KS | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000131033 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131033 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131048 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file to utilize private party VOR for rent verification. No Lease Agreement and pays landlord in cash. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-29): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
05/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000131326 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Note is missing the P&I payment amount. | Reviewer Comment (2026-06-01): ACH received reflecting
P&I payment Seller Comment (2026-06-01): Comment from XXXX (XXXX): N/A - note does not reflect P&I payment. Please see uploaded signed ACH form with monthly payment breakdowns. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130615 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification and Mortgage statement are missing. | Reviewer Comment (2026-06-01): Received Letter of
Explanation confirms that the property XXXX has no active lien and is owned
free and clear. Hence it has no insurance. Exception cleared. Seller Comment (2026-06-01): Comment from XXXX (XXXX): Satisfactory Mortgage & LOE free and clear attached. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000130615 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification, lease agreement and tax verification are missing. | Reviewer Comment (2026-06-11): Insurance verification has
been received. The lease agreement and tax verification are already
available. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): XXXX docs attached |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000130615 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance verification, Lease agreement and tax verification are missing. | Reviewer Comment (2026-06-10): Received Lease Agreement,
Tax Verification and Mortgage statement confirms that the monthly P&I and
Taxes & Insurances are Escrowed. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): XXXX docs & LOE attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000130615 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification, lease agreement. | Reviewer Comment (2026-06-11): Insurance verification has
been received. The lease agreement and tax verification are already
available. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): XXXX docs & LOE attached |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000130615 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing Articles of Organization. | Reviewer Comment (2026-06-10): Received Articles of
Organization. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Articles of organization |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000130615 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | EIN is missing. | Reviewer Comment (2026-06-11): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): EIN attached |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000130689 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lease Agreement not provided for Apartment1. | Reviewer Comment (2026-06-01): Lease for Apt 1 received Seller Comment (2026-06-01): Comment from XXXX (XXXX): All three leases |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129376 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): 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 (2026-05-29): 2 year average of 1099 used
to qualify |
05/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | DC | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129376 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX) | Reviewer Comment (2026-05-29): 2 year average of 1099 used
to qualify |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129376 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Unable to determine ability to repay due to missing guidelines. | Reviewer Comment (2026-05-29): 2 year average of 1099 used
to qualify |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DC | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129376 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower filed 2025 taxes recently. No record found on 2025 transcripts. An exception is needed to allow a 24-month average or a 12-month 2024 average. | Borrower's monthly reserves have been verified and exceed
the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-29): Lender exception
approved |
05/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | DC | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000130281 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX | Reviewer Comment (2026-06-10): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): XXXX Statute Update: Recent changes have been made to Florida Statute XXXX and became effective XXXX These changes make it illegal to request a Replacement Cost Estimator from the insurance agent. What this means is we cannot ask for the cost estimator (and agents are not allowed to provide it), Reviewer Comment (2026-06-05): Hazard coverage of $XXXX Dwelling + replacement cost coverage) is sufficient to cover the mortgage amount of $XXXX, however is insufficient to cover the XXXX% estimated cost new of $XXXX Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall is $XXXX. Required Replacement cost estimator. Exception remains. Buyer Comment (2026-06-05): Comment from XXXX (XXXX): Hello, the HOI provided clearly shows the Dwelling coverage to be $XXXX which is higher than our Loan amount of $XXXX. Where is this $XXXX shortfall coming from? Reviewer Comment (2026-06-03): There is coverage shortfall of $XXXX. Required replacement cost estimator to clear the exception. Exception remains. Seller Comment (2026-06-02): Comment from XXXX (XXXX): Hello, please see attached HOI for dwelling coverage of $XXXX |
06/10/2026 | 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 | ||||||||||||||
| XXXXX | 4000130281 | XXXXX | XXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Property is Tenant Occupied. Lease agreement is missing. | Reviewer Comment (2026-06-05): Property is tenant occupied
per appraisal. Buyer Comment (2026-06-04): Comment from XXXX (XXXX): The rental amount needs to be blank on the final URLA as this is a DSCR loan and no income is to be on the URLA. I don't see XXXX has a requirement for the lease unless we are using the higher of what is reported on the appraisal. XXXX used what was on the appraisal. Plus this is a no ratio DSCR loan so do not need meet a certain rental amount. I did my own AI search below and confirms no lease is needed. Please advise. Thank you |
06/05/2026 | 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 | |||||||||||||
| XXXXX | 4000130226 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130226 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130325 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant 3 business days prior to consummation. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130728 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000130787 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title evidence was not found in the file. | Reviewer Comment (2026-06-01): Received Title evidence.
Exception cleared. Seller Comment (2026-06-01): Comment from XXXX (XXXX): title uploaded |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130646 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129078 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129078 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129078 | XXXXX | XXXXX | 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 $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-02): XXXX Received Valid COC
dated XXXX. Buyer Comment (2026-06-01): Comment from XXXX (XXXX): The initial CD was a COC CD for a reduction in the Loan Amount and Lender Credit. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129078 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-02): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-06-01): Comment from XXXX (XXXX): There is a tolerance cure on the Final CD for the $XXXX. page 2 on the bottom shows this information. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129078 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX/XXXX) | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129078 | XXXXX | XXXXX | 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. | The preliminary title policy does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-01): Received, Clearing. Seller Comment (2026-06-01): Comment from XXXX (XXXX): please see the revised title commitment. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129078 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000129334 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130478 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $XXXX does not match Calculated P&I of $XXXX because the loan is structured as an interest-only loan, however the interest only verbiage and/or I/O addendum is missing from the file | Reviewer Comment (2026-06-11): Received, Clearing. Buyer Comment (2026-06-11): Comment from XXXX (XXXX): Note was corrected to add interest only verbiage. The interest only addendum should not be required. Reviewer Comment (2026-06-10): We still need the I/O addendum Seller Comment (2026-06-10): Comment from XXXX (XXXX): Attached is the correct interest only note. This has been sent via XXXX. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130478 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Wire confirmation for gift funds of $XXXX was not found in file. | Reviewer Comment (2026-06-01): Received Wire confirmation.
Exception cleared. Seller Comment (2026-06-01): Comment from XXXX (XXXX): Wire receipt from Title for XXXX attached. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130885 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129752 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129752 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130352 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130352 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129645 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000129645 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128718 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status is missing. | Reviewer Comment (2026-06-09): Received Passport and 1003
Final confirm borrower is U.S. Citizen. Exception cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): Hello, Please see attached |
06/09/2026 | 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 | ||||||||||||||
| XXXXX | 4000128903 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000128903 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128903 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Commitment amount is $XXXX. The Note amount is $XXXX. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128858 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of appraisal is missing. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128858 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Security Instrument did not disclose that loan is a Texas Home Equity Loan) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Security instrument does not disclose that the loan is a TX Home Equity/50(a)(6) Loan. | Security instrument is not on Texas 50(a). | Reviewer Comment (2026-06-16): Received closing disclosure
dated XXXX reflecting no cash back to borrower Seller Comment (2026-06-16): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-11): The current loan received cash back at closing which makes this a cash out transaction. A principal reduction post closing doesn't fix that the loan was a cash out when it closed. Buyer Comment (2026-06-11): Comment from XXXX (XXXX): Hello, we wanted to clarify that the previous loan being paid off via the subject transaction was NOT a Texas Section 50(a)(6) loan. The loan paid off was a Purchase Money transaction. Therefore, the subject loan transaction is a true Rate/Term Refinance payoff. We are unsure as to why the Principal Reduction at time of PCCD is not allowed and why we would need to follow the TX Section 50(a)(6) guidelines? If you could please kindly provide us some detailed clarification, it would be very helpful for us in understanding the Exceptions issued. Thank you. Reviewer Comment (2026-06-11): PCCD with a principal reduction cannot be used to take the loan out of TX Home Equity status after consummation. Each violation must be cured individually (although some of the exceptions will use the same cure documents). We located the Notice Concerning Extensions of Credit in file and cancelled the associated exception for this disclosure missing. We also cancelled the exception for Texas Cash-out Evidence of Guaranty Surety as it was not valid. I did set new exception for Texas Cash-out Unable to Determine Closing Location as reviewer had input a CD, but this does not indicate where the loan closing occurred. Remediation is as follows: Texas Cash-out Disclosure of Texas Home Equity Loan Test and Texas Cash-out Unable to Determine Closing Location: Refund or credit the borrower $XXXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Texas Cash-out Fair Market Acknowledgment: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $XXXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Please note that for the missing XXXX, the lender can try to obtain a signed copy of the XXXX. But they can also cure using the same "catch all" cure that will cure the first two exceptions as well. The same $XXXX refund would apply towards curing all 3 of the above exceptions. Texas Cash-out Endorsements: The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation. This is an EV2-B, however. Also, this is only testing because the Texas 50(a)(6) Endorsement Testing deal setting Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, there was a Principal Reduction applied in the amount of $XXXX. Therefore, the Borrower did not receive any funds back from this transaction. Please kindly see the PCCD showing this amount on Pg.3. Please kindly see the Pay History as well as the Principal Reduction check received from title. Thank you. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128858 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | Acceptable FNMA title insurance endorsements were not obtained for home equity loan. The loan file does not evidence the title policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50(a)(6) home equity loan.) | Reviewer Comment (2026-06-24): Not applicable, loan is not
XXXX Reviewer Comment (2026-06-24): Reopened Reviewer Comment (2026-06-01): Accepted as is. |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000128858 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Acknowledgment of the fair market value is missing. | Reviewer Comment (2026-06-16): Received closing disclosure
dated XXXX reflecting no cash back to borrower Seller Comment (2026-06-16): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-11): PCCD with a principal reduction cannot be used to take the loan out of TX Home Equity status after consummation. Each violation must be cured individually (although some of the exceptions will use the same cure documents). We located the Notice Concerning Extensions of Credit in file and cancelled the associated exception for this disclosure missing. We also cancelled the exception for Texas Cash-out Evidence of Guaranty Surety as it was not valid. I did set new exception for Texas Cash-out Unable to Determine Closing Location as reviewer had input a CD, but this does not indicate where the loan closing occurred. Remediation is as follows: Texas Cash-out Disclosure of Texas Home Equity Loan Test and Texas Cash-out Unable to Determine Closing Location: Refund or credit the borrower $XXXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Texas Cash-out Fair Market Acknowledgment: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $XXXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Please note that for the missing XXXX, the lender can try to obtain a signed copy of the XXXX. But they can also cure using the same "catch all" cure that will cure the first two exceptions as well. The same $XXXX refund would apply towards curing all 3 of the above exceptions. Texas Cash-out Endorsements: The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation. This is an EV2-B, however. Also, this is only testing because the Texas 50(a)(6) Endorsement Testing deal setting Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, there was a Principal Reduction applied in the amount of $XXXX. Therefore, the Borrower did not receive any funds back from this transaction. Please kindly see the PCCD showing this amount on Pg.3. Please kindly see the Pay History as well as the Principal Reduction check received from title. Thank you. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128858 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title policy coverage is $XXXX. The note amount is $XXXX. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128858 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | Texas Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. | Reviewer Comment (2026-06-24): Not applicable, loan is not
XXXX Reviewer Comment (2026-06-24): Reopened Reviewer Comment (2026-06-11): Accepted as is. |
06/24/2026 | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000128858 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing invoice showing appraisal fee of $XXXX was paid outside of closing | Reviewer Comment (2026-06-17): Received invoice for
appraisal POC Reviewer Comment (2026-06-17): EXCEPTION HISTORY - Exception Explanation was updated on XXXXPRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/17/2026 | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000130608 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-06-04): Received Legal Description.
Exception cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): legal description |
06/04/2026 | 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 | |||||||||||||||
| XXXXX | 4000130613 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement provided for XXXX was not executed. | Reviewer Comment (2026-06-08): Cleared- executed operating
agreement provided. Seller Comment (2026-06-08): Comment from XXXX(XXXX): see attached |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130206 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130629 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-03): Clearing based on review
coming back within tolerances. |
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 | N/A | No | |||||||||||||||
| XXXXX | 4000130629 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement provided for XXXX was not executed. | Reviewer Comment (2026-06-08): Operating Agreement
provided. Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): fully executed operating agreement |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129438 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129438 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130634 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131130 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131130 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129089 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129089 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130037 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. | Reviewer Comment (2026-06-02): Received, Clearing. Seller Comment (2026-06-02): Comment from XXXX (XXXX): ARM disclosure |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 (2026-06-02): Received updated 1003.
Exception cleared. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of gift donor withdrawal. | Reviewer Comment (2026-06-02): Received updated 1003.
Exception cleared. Seller Comment (2026-06-02): Comment from XXXX (XXXX): updated 1003 with bank transaction uploaded no gift funds |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Missing gift letter for gift in the amount of $XXXX. | Reviewer Comment (2026-06-02): Received updated 1003 with
no Gift funds. Exception cleared. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing gift letter, receipt and donor ability for $XXXX gift | Reviewer Comment (2026-06-02): Received updated 1003 with
no Gift funds. Exception cleared. |
06/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Due to missing gift letter, receipt and donor ability for $XXXX gift | Reviewer Comment (2026-06-02): Received updated 1003 with
no Gift funds. Exception cleared. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129558 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing gift letter, receipt and donor ability for $XXXX gift | Reviewer Comment (2026-06-02): Received updated 1003 with
no Gift funds. Exception cleared. |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130461 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130461 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXX is sufficient to cover the mortgage amount of $XXXX; however, the appraiser did not provide an estimated cost new. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement cost estimator from the insurer. Coverage shortfall based on XXXX% of the appraised value is $XXXX. | Reviewer Comment (2026-06-02): Received, Clearing. Seller Comment (2026-06-02): Comment from XXXX (XXXX): Please see attached RCE. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131464 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 Policy does not list coverage amount. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 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 | |||||||||||||
| XXXXX | 4000131004 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-03): Clearing based on review
coming back within tolerances. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000128697 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing the operating agreement for XXXX | Reviewer Comment (2026-06-04): Received Evidence of Access
to Funds. Exception cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): Please see attached business license search as borrowers are owners |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131265 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129201 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): 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 (2026-06-17): Schedule C income removed
from qualification Seller Comment (2026-06-17): Comment from XXXX (XXXX): See attached updated 1003/1008 removing income Reviewer Comment (2026-06-09): Designation mismatch due to missing third party verification of employment for borrower schedule C income. Please provide verification of employment. Buyer Comment (2026-06-08): Comment from XXXX (XXXX): Please restate the loan to match the current loan designation |
06/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129201 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXXX XXXX Consulting/Schedule C) | Reviewer Comment (2026-06-17): Schedule C income removed
from qualification Seller Comment (2026-06-17): Comment from XXXX (XXXX): See attached updated 1003/1008 removing income |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129201 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements were not satisfied. | Reviewer Comment (2026-06-17): Schedule C income removed
from qualification |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129201 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary Title Policy amount is blank. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129201 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for 2nd lien Bridge Loan listed on 1003 for Departure Residence Pending Sale. | Reviewer Comment (2026-06-09): Received Note document
confirms the P&I amount for 2nd lien. Exception cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): attached |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129869 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines | The borrower is the builder of the subject property | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-15): Client elects to waive with
compensating factors Reviewer Comment (2026-07-14): The exception doesn't cover the borrower being the builder. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Please see approved exception form. |
07/15/2026 | Yes | 2 | B | B | B | B | B | ID | Investment | Refinance - Rate/Term | A | B | A | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000129869 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower(s) must have a history of owning and managing commercial or income producing residential real estate properties for at least twelve (12) months over the last five (5) years. Lender exception approval in the file but missing client approval | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-14): Received, the client
exception. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Please see attached approved exception form |
07/14/2026 | Yes | 2 | B | B | B | B | B | ID | Investment | Refinance - Rate/Term | A | B | A | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000130504 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Reviewer Comment (2026-06-04): Policy page 5 of 31
indicates 12 months of fair rental value Reviewer Comment (2026-06-02): Policy doesn't list rent loss insurance on it and amount of coverage. Seller Comment (2026-06-02): Comment from XXXX (XXXX): Insurance Policy |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130735 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-03): Clearing based on review
coming back within tolerances. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130969 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-03): Clearing based on review
coming back within tolerances. |
06/03/2026 | 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 | |||||||||||||||
| XXXXX | 4000128801 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129580 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129866 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines | The borrower is the builder of the subject property | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-15): Client elects to waive with
compensating factors Reviewer Comment (2026-07-14): The exception provided doesn't cover the borrower being the builder. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Please see attached approved exception form |
07/15/2026 | Yes | 2 | B | B | B | B | B | ID | Investment | Refinance - Rate/Term | A | B | A | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000129866 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower(s) must have a history of owning and managing commercial or income producing residential real estate properties for at least twelve (12) months over the last five (5) years. Lender exception approval in the file but missing client approval | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-14): . Reviewer Comment (2026-07-14): Received, the client exception. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Please see approved exception form |
07/14/2026 | Yes | 2 | B | B | B | B | B | ID | Investment | Refinance - Rate/Term | A | B | A | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000130819 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor Check is missing for gift amount $XXXX | Reviewer Comment (2026-06-03): Received evidence of gift
wire Seller Comment (2026-06-03): Comment from XXXX (XXXX): Wire Receipt |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130819 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130819 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The policy effective date is XXXX, however the note date is XXXX | Reviewer Comment (2026-06-03): Received hazard binder Seller Comment (2026-06-03): Comment from XXXX (XXXX): dec page |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130819 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Received hazard insurance quote, however actual insurance policy is missing from the file | Reviewer Comment (2026-06-03): Received hazard binder Seller Comment (2026-06-03): Comment from XXXX (XXXX): Dec Page |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131466 | XXXXX | XXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-06-04): Spousal Consent not
required. Exception cleared. Seller Comment (2026-06-04): Comment from XXXX (XXXX): XXXX please see attached of Preliminary Title commitment showing spouse was not listed with deed |
06/04/2026 | 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 | ||||||||||||||
| XXXXX | 4000128542 | XXXXX | XXXXX | 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 TX Guaranty Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. | Reviewer Comment (2026-06-08): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-05): Comment from XXXX (XXXX): Copy of Check Cure 2.00 PCCD and LOE to the borrower |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131179 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to and 442 is not in images. | Reviewer Comment (2026-06-16): Received 442 - Certificate
of Completion. Exception cleared. Seller Comment (2026-06-16): Comment from XXXX (XXXX): XXXX: Please see attached. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | A | A | C | A | N/A | No | |||||||||||||
| XXXXX | 4000129629 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-06-05): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-05): Comment from XXXX (XXXX): Please see attached fraud report. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000127663 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 12 Month bank statement loan with less than 2 years of existence of business . | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-02): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000130824 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 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 | |||||||||||||
| XXXXX | 4000130906 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130906 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VOE within 10 days of closing and internet search were not found in the file. An internet search of the business and verification of business existence and that the business is fully operational/active required within ten (10) calendar days of closing. | Reviewer Comment (2026-06-03): Received VVOE. Exception
cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): VVOE |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130906 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | VOE within 10 days of closing and internet search were not found in the file. An internet search of the business and verification of business existence and that the business is fully operational/active required within ten (10) calendar days of closing. | Reviewer Comment (2026-06-03): Received VVOE. Exception
cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): VVOE |
06/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130906 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | VOE within 10 days of closing and internet search were not found in the file. An internet search of the business and verification of business existence and that the business is fully operational/active required within ten (10) calendar days of closing. | Reviewer Comment (2026-06-03): Received VVOE. Exception
cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): VVOE |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130751 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130751 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Wet State. Effective date for HOI is after date of disbursement. | Reviewer Comment (2026-06-11): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130751 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-11): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130751 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-06-11): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000129774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000129774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000129007 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | A | A | C | B | B | B | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129007 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-15): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | B | B | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129007 | XXXXX | XXXXX | 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 Field Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-15): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | B | B | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129007 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-15): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-11): Comment from XXXX (XXXX): PLEASE SEE FED EX TRACKING INFO FOR HTE REFUND TO BORROWER Reviewer Comment (2026-06-10): XXXX received PCCD, LOE, Refund Check and Proof of Mailing. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-06-09): Comment from XXXX (XXXX): please review the following attachments. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | B | B | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129007 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment (2026-06-03): Construction loan per
title. Not subject to RTC Buyer Comment (2026-06-03): Comment from XXXX (XXXX): **This is a construction loan, not subject to rescission |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | A | C | B | B | B | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129007 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | A | A | A | A | A | A | A | A | B | B | TX | Primary | Refinance - Rate/Term | C | B | A | A | C | B | B | B | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129079 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000129079 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129079 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130324 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-02): Cured at closing or within
60 days of consummation prior to TPR review |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130324 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-05): XXXX Received Valid COC
dated XXXX. Seller Comment (2026-06-03): Comment from XXXX (XXXX): Coc |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130324 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | TN | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000130534 | XXXXX | XXXXX | Credit | Note | General | Note | This loan has matured. | Maturity Date: ___ | Provided Note is illegible. Please resubmit a legible copy. | Reviewer Comment (2026-06-05): Legible copy of Note
provided. Cleared Seller Comment (2026-06-05): Comment from XXXX (XXXX): Copy of Note |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128911 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds is missing. | Reviewer Comment (2026-06-04): Received evidence borrower
is 100% owner of business Seller Comment (2026-06-04): Comment from XXXX (XXXX): Evidence of Access to Funds - LLC Dox |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131663 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-06-15): Received CDA. Exception
cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): XXXX |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | LA | Investment | Refinance - Rate/Term | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000130068 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Rider-Prepayment not provided as listed on Security Instrument. | Reviewer Comment (2026-06-09): Received Rider -
Prepayment. Exception cleared. Seller Comment (2026-06-09): Comment from XXXX (XXXX): XXXX Please see attached Prepayment Penalty Rider |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130436 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130436 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is missing. | Reviewer Comment (2026-06-05): Received Security
Instrument. Exception cleared. Seller Comment (2026-06-04): Comment from XXXX (XXXX): XXXX: Please see the attached // |
06/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130436 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Rider - 1-4 Family missing in the file. | Reviewer Comment (2026-06-08): Received Rider - 1-4 Family. Exception cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): XXXX: please see the attached signed 1-4 family rider for the subject property. |
06/08/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000129826 | XXXXX | XXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Property has been listed for sale in the last 6 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-06-03): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000131104 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP Score was not provided. Secondary Valuation required. | Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): CDA |
06/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000130179 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Please provide the copy of Operating Agreement for XXXX | Reviewer Comment (2026-06-05): Received Operating
Agreement for XXXX. Exception cleared. Seller Comment (2026-06-05): Comment from XXXX (XXXX): Please See Attached |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128147 | XXXXX | XXXXX | 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 file. | Reviewer Comment (2026-06-05): Associated Certificate of
Good Standing. Exception cleared. Seller Comment (2026-06-05): Comment from XXXX (XXXX): see attached |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128147 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement was not found in the file. | Reviewer Comment (2026-06-08): Received Operating
Agreement. Excepin cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): see attaced |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128147 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Reviewer Comment (2026-06-05): Received Prepayment Note
Addendum. Exception cleared. Seller Comment (2026-06-05): Comment from XXXX (XXXX): see attached |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | |||||||||||||||
| XXXXX | 4000132706 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Agreement was not found in the file. | Reviewer Comment (2026-06-05): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-06-05): Comment from XXXX (XXXX): disclosure tracking showing econsent |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129143 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129143 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Please provide driver's license for borrower XXXXX XXXX. | Reviewer Comment (2026-06-05): Received Patriot Act
Customer Identification. Exception cleared. Seller Comment (2026-06-04): Comment from XXXX(XXXX): Patriot Act Disclosure |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130430 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Clarification on Compliance Condition attached |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130430 | XXXXX | XXXXX | 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 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Appraisal Delivery was already provided but we have uploaded again see attached. Reviewer Comment (2026-06-16): Reopened Reviewer Comment (2026-06-05): Based on 3-day mailing rule, exception remains. Seller Comment (2026-06-05): Comment from XXXX (XXXX): Appraisal delivery |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130286 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129850 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of appraisal was not found in the file. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129850 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent resident alien card provided is expired | Reviewer Comment (2026-06-09): Received an I-797 form
(Notice of Action) with valid extension dates. Exception cleared. Seller Comment (2026-06-09): Comment from XXXX (XXXX): Hello, we believe we have already provided sufficient documentation, which would be the green card, I-551 which is on the green card back side and the Form I-797 that states that the Borrower has lawful permanent resident status for 26 months from the expiration date on the front of your Permanent Resident Card. Please see attached one more time, thank you. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129850 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131325 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-05): Cleared based on review
coming back within tolerances |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131325 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-05): Client elects to waive Seller Comment (2026-06-05): Comment from XXXX (XXXX): Please see uploaded title supplemental report. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000132763 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131045 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower, but was not provided. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128231 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130729 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129212 | XXXXX | XXXXX | 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 (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Disaster Inspection attached |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000129212 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal is missing. | Reviewer Comment (2026-06-15): Received Appraisal.
Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): appraisal attached Reviewer Comment (2026-06-12): Appraisal report provided is missing most pages. Please resubmit. Exception remains. Buyer Comment (2026-06-12): Comment from XXXX (XXXX): Disaster Inspection has been uploaded. Please advise if you're looking for something else |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000130803 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | 2025 tax return extensions are in the file | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130803 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | 2025 tax return extensions are in the file | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130803 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131465 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000131465 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state properties listed for sale (within 6 months) are not eligible for refinance. Borrower withdrew the listing. Subject is currently leased through XXXX. Approved with -.XXXX LPA, XXXX% LTV, XXXX FICO, XXXX DSCR, 6 months reserves. | The Combined Loan to Value (CLTV) on the loan is less than
the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-04): Lender exception
approved |
06/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130131 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | Blanket Coverage is provided, however the policy does not indicate walls in coverage. Provide H06 policy or blanket policy reflecting walls in coverage. | Reviewer Comment (2026-06-08): Walls In Coverage included.
Clearing. Seller Comment (2026-06-08): Comment from XXXX (XXXX): uploaded master policy which includes walls...The borrower did not move forward with his own policy as the master included walls in and betterments- per the credit UW, we couldn't include this in the loan.....Per the LO, the borrower decided not to move forward with his own policy |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129933 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-08): Final CD captured |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129933 | XXXXX | XXXXX | 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 values used for compliance testing. | TILA-RESPA Integrated Disclosure: The Seller's final Closing Disclosure total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXX) | Reviewer Comment (2026-06-08): Final CD captured |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129933 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Recording fee increased from $XXXX to $XXXX without a valid COC on file and no cure provided | Reviewer Comment (2026-06-10): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-08): Comment from XXXX (XXXX): attached LOE PCCD $XXXX refund check XXXX label |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129573 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129335 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129240 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129240 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): 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 (2026-06-05): Received CPA letter Seller Comment (2026-06-05): Comment from XXXX (XXXX): XXXX: Please see attached. |
06/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129240 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Missing Third Party Verification or CPA Letter for this income source. | Reviewer Comment (2026-06-05): Received CPA letter Seller Comment (2026-06-05): Comment from XXXX (XXXX): XXXX: Please see attached. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129240 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements were not satisfied. | Reviewer Comment (2026-06-05): Received CPA letter |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131176 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-05): Cleared based on review
coming back within tolerances |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131176 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131176 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129812 | XXXXX | XXXXX | 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 Electronic Document Delivery Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000128729 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130401 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130108 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130108 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Not Considered | Total Buydown Amount collected on HUD/CD $XXXX does not match Buydown Subsidy of $XXXX required per terms of Buydown Agreement Payment Schedule. Refund/credit of overage may be required to meet terms of buydown agreement. Any discrepancy may impact validity of compliance points and fees findings. | Total Buydown Amount collected on HUD/Closing Disclosure $XXXX does not match Buydown Subsidy of $XXXX required per terms of Buydown Agreement Payment Schedule. Refund/credit of overage may be required to meet terms of buydown agreement. Any discrepancy may impact validity of compliance points and fees findings. | Reviewer Comment (2026-06-08): Updated final closing
disclosure provided Seller Comment (2026-06-08): Comment from XXXX (XXXX): final cd with correct buydown |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130108 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130108 | XXXXX | XXXXX | 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 values used for compliance testing. | Seller's final Closing Disclosure total seller paid fee amounts do not match the values used for compliance testing. | Reviewer Comment (2026-06-08): Updated final closing
disclosure provided |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130108 | XXXXX | XXXXX | 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 $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Lender credits decreased from $XXXX to $XXXX without a valid change of circumstance. | Reviewer Comment (2026-06-18): XXXX received valid changed
circumstance for loan amount reduction and pricing reduction for lender
credit. Seller Comment (2026-06-18): Comment from XXXX (XXXX): COC for lender paid buydown attached. Reviewer Comment (2026-06-15): XXXX received rebuttal, However, if the creditor subsequently reduces the specific lender credit by $XXXX because the Buydown fee reduced by $XXXX, then the creditor has a zero-tolerance standard violation because, although the amount of the buydown fee decreased, the amount of the lender credit decreased. (Comment 19(e)(3)(i)-5). Cure would be required. Lender credit is separate fee and is tested separately. No valid changed circumstance provided for reduction in lender credit. Cure with Corrected CD, LOE to borrower, copy of cure refund for $XXXX and proof of mailing. Buyer Comment (2026-06-11): Comment from XXXX (XXXX): Its not a lender credit, it's a lender paid item. The borrower is not receiving the buydown funds directly nor was it counted towards the cash to close in which an actual lender credit would be applied to. Reviewer Comment (2026-06-11): XXXX received rebuttal, however credit amount decreased from $XXXX to $XXXX. Please provide valid COC for decrease or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-09): Comment from XXXX (XXXX): This is a lender paid item matching the temporary buydown. A cure is not required. |
06/18/2026 | No | 1 | A | A | A | A | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000129167 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-05): Cleared based on review
coming back within tolerances |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000129167 | XXXXX | XXXXX | 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 Processing Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Processing fee increased from $XXXX to $XXXX. A cure of $XXXX was provided. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129811 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131240 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131240 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129686 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Credit profile must show 2 tradelines within the last 13 months with 12-month history. Borrower has 1 account in past 24 months - opened XXXX. Approved with compensating factors 13 months' reserves, LTV is XXXX% below the maximum. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-08): Client elects to
waive/regrade with compensating factors. |
06/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000131526 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131526 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131526 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131812 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal was not provided to the borrower. | Reviewer Comment (2026-06-08): Client elects to waive |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130759 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract addendum is missing. | Reviewer Comment (2026-06-10): Received sale escrow
instructions Reviewer Comment (2026-06-08): Escrow instructions were received; an executed purchase agreement is required. Seller Comment (2026-06-08): Comment from XXXX (XXXX): please see escrow instruction, this is a gift of equity there's no real estate brokers involved |
06/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130759 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to insufficient reserves. | Reviewer Comment (2026-06-10): Sufficient reserves
verified |
06/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130759 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 insufficient reserves. | Reviewer Comment (2026-06-10): Sufficient reserves
verified |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130759 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-06-08): After further review,
exception has been cleared. Buyer Comment (2026-06-08): Comment from XXXX (XXXX): XXXX guide line is 2 mths PI require not PITI, 2 mth PI is $XXXX borrower has enough reserve $XXXX |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000128958 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-17): Comment from XXXX (XXXX): rent loss coverage |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128958 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | - | Borrower is a first-time investor and trying to proceed with a DSCR loan <XXXX DSCR. Approved with -.XXXX LPA and comp factors XXXX% down payment, XXXX FICO, XXXX months reserves. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-08): Client elects to
waive/regrade with compensating factors |
06/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000131126 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Preliminary title policy amount is blank, provided commitment or prelim does not state a coverage amount. | Reviewer Comment (2026-06-05): Accepted as is |
06/05/2026 | No | 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 | |||||||||||||
| XXXXX | 4000128436 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129086 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000127994 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan-to-value percentage of XXXX% exceeds guideline loan-to-value percentage of XXXX%. The 1004 has an appraisal value of $XXXX which should be used to calculate the LTV. | Reviewer Comment (2026-06-29): Received ROV in file Seller Comment (2026-06-26): Comment from XXXX (XXXX): Please see appraisal rebuttal attached, please note the ROV was included in the intiial loan delivery. Reviewer Comment (2026-06-18): Please provide an appraiser explanation of the value changing from XXXX to XXXX. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Appraisal & SSR's attached |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127994 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Cleared based on review
coming back within tolerances |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130133 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-06-09): Received Permanent Resident
Card. Exception cleared. Seller Comment (2026-06-09): Comment from XXXX (XXXX): greencard |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130133 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129189 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-06-08): Policy with Rent Loss
provided. Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): Please see attached |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131601 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000131601 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131601 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133150 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-06-08): Provided. Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): guaranty |
06/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133150 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Signed copy of Operating Agreement is missing. | Reviewer Comment (2026-06-10): Received Operating
Agreement. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): operating agreement |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133150 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing. | Reviewer Comment (2026-06-08): Provided. Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): prepayment addendum |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000133150 | XXXXX | XXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease agreement is missing for subject. | Reviewer Comment (2026-06-10): After further review,
exception has been cleared Buyer Comment (2026-06-10): Comment from XXXX (XXXX): XXXX, the lease agreement isn't needed if we are using the market rent amount on the Form 1007. In this case we used an even lower stated current rent amount from the 1007. This should be sufficient. please advise, |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000131549 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131549 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for 1st time landlord with DSCR below 1.00. Use of lease in lieu of market rents. Compensating factors include Borrower has substantial reserves, FICO over required, LTV below 75% and all borrower funds. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-08): Client elects to
waive/regrade with compensating factors. |
06/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130572 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX | Reviewer Comment (2026-06-09): Cleared- ins has
replacement cost, policy provided Seller Comment (2026-06-09): Comment from XXXX (XXXX): XXXX: Please see the attached documentation. Please note that per the updated Fannie Mae Lender letter dated XXXX, the insurance replacement cost requirements have been adjusted. According to page #4 of the lender letter, the property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage. Based on the insurance provided, the coverage is sufficient due to the verbiage that confirms the dwelling is covered under extended replacement cost. Since the insurance company had the insurance policy underwritten to the replacement cost and includes extended replacement cost, the actual replacement cost estimator is no longer required because the insurance is written to a replacement cost. |
06/09/2026 | 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 | ||||||||||||||
| XXXXX | 4000129813 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000129131 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129131 | XXXXX | XXXXX | 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 Copy/Rush Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129650 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000130763 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130763 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128807 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-15): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): E-Consent |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129641 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-06-09): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-09): Comment from XXXX (XXXX): fraud |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129641 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129329 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131476 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXX not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on XXXX was not received by borrower at least four (4) business days prior to closing. | Reviewer Comment (2026-06-11): XXXX received Initial
LE. Seller Comment (2026-06-10): Comment from XXXX (XXXX): updated LE |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000131476 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000128789 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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. 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 (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128789 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds document missing in the file. | Reviewer Comment (2026-06-11): Received a CPA letter
confirming that the borrower's ownership interest in the business and the
withdrawal of business funds for this transaction will not adversely affect
the business. Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-11): Evidence of Access to Funds is required to business account XXXX #XXXX to clear the exception. Exception remains. Buyer Comment (2026-06-10): Comment from XXXX (XXXX): Hello, we have no asset documents that required evidence of access to funds. Both individuals on the XXXX #XXXX are on the loan. The XXXX account belongs to XXXX, our main Borrower only. Please kindly waive the condition for us, thank you. Reviewer Comment (2026-06-08): Mistake Reviewer Comment (2026-06-08): These assets are not required to qualify |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128333 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130227 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129371 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-06-24): XXXX received lender
attestation on XXXX CD was title fee sheet and not issued to borrower Seller Comment (2026-06-23): Comment from XXXX (XXXX): please review LOE Reviewer Comment (2026-06-23): APR on XXXX CD changed to XXXX% and then to XXXX% on the final CD. Closing was XXXX and any change would need to have been received no later than XXXX to allow for the three-day waiting period. Seller Comment (2026-06-22): Comment from XXXX (XXXX): uploaded requested doc |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129671 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution or Operating Agreement not provided | Reviewer Comment (2026-06-10): Corporate Resolution,
cleared Seller Comment (2026-06-10): Comment from XXXX (XXXX): XXXX: Please see attached corporate resolution |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129671 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Corporate Resolution or Operating Agreement not provided | Reviewer Comment (2026-06-10): Corporate Resolution,
cleared Seller Comment (2026-06-10): Comment from XXXX (XXXX): XXXX: Please see attached corporate resolution |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130644 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130644 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129901 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-05): Accepted as is |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129901 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for seller being vested on title for less than 90 days. Compensating factors: LTV is XXXX% and FICO is XXXX. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-05): Lender exception
approved |
06/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130890 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing Business Purpose Certificate. | Reviewer Comment (2026-06-10): Received Business Purpose
Certificate. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): BUSINESS PURPOSE |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130890 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment missing. | Reviewer Comment (2026-06-10): Received Note Addendum -
Prepayment. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Prepayment Addendum to Note |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000130890 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Rider - Prepayment missing. | Reviewer Comment (2026-06-10): Received Rider -
Prepayment. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Prepayment Rider |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130890 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Note does not have a title for the signor of the LLC. Guarantor Agreement in file is incomplete, missing pages 1 and 4. | Reviewer Comment (2026-07-09): Received, Clearing. Seller Comment (2026-07-09): Comment from XXXX (XXXX): note Reviewer Comment (2026-07-01): The Note does not list the member title on the signature line. Provide updated Note with the member title on the signature line. Seller Comment (2026-07-01): Comment from XXXX (XXXX): please review the note and updated allonge that will be sent overnight Reviewer Comment (2026-06-29): In addition with correcting the allonge, the note needs to be updated to include the member title on the signature line. Buyer Comment (2026-06-29): Comment from XXXX (XXXX): per XXXX..The signature for the note is correct, but for the allonge we just need it to say XXXX. Reviewer Comment (2026-06-25): The guidelines require the title of the person signing be listed as well. Buyer Comment (2026-06-25): Comment from XXXX (XXXX): will this condition be cleared with the corrected allonge that was delivered? Reviewer Comment (2026-06-23): A corrected note is what is needed to resolve this issue. Buyer Comment (2026-06-23): Comment from XXXX (XXXX): we are sending a corrected allonge Reviewer Comment (2026-06-18): The guidelines require the title of the person signing be listed as well. Buyer Comment (2026-06-18): Comment from XXXX (XXXX): Hi, I need more clarification. The note reads XXXX above the signature line. Signed by XXXX. Reviewer Comment (2026-06-17): As stated prior we received the complete Guarantee agreement. Still missing corrected note with member title on the signature block. Seller Comment (2026-06-16): Comment from XXXX (XXXX): All pages of the guaranty Reviewer Comment (2026-06-10): Received complete Guarantee agreement. Still missing corrected note with member title on the signature block. Seller Comment (2026-06-10): Comment from XXXX (XXXX): GUARANTY |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130890 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Reviewer Comment (2026-06-10): Received Rider - 1-4
Family. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): 1 4 Family Rider |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129658 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131134 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception in file for request not to collect all exhibits on the divorce decree as lox states the document we have contains all financial information related to the divorce. The existing exhibits only contain the co-parenting agreement, nothing related to financials. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-09): Lender exception
approved |
06/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000126404 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-08): Client exception
received. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Approved Exception Reviewer Comment (2026-07-07): No buyer signed exception came through. Blank pages came though. Seller Comment (2026-07-07): Comment from XXXX (XXXX): Exception Reviewer Comment (2026-07-02): Please provide the completed lender exception form -from the buyer of the loan. Buyer Comment (2026-07-02): Comment from XXXX (XXXX): An exception was requested Reviewer Comment (2026-06-25): Exceptions must go to the buyers portal. Buyer Comment (2026-06-24): Comment from XXXX (XXXX): Will you allow an exception to this item? Reviewer Comment (2026-06-17): Employer Identification Number (EIN) is not received. Exception remains. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Business documentation Reviewer Comment (2026-06-17): Per guidelines: 4.7.3 Required Entity Documentation § The following entity documents are required: § Articles of Incorporation § Operating Agreement (or equivalent) § Tax Identification Number § Certificate of Good Standing - Must be dated within 30 days of closing An exception from the buyer of the loan would be needed without. Buyer Comment (2026-06-16): Comment from XXXX (XXXX): The LLC is solely owned they don't have an ITIN and as a single entity LLC with no employees they can not be issued an ITIN and would legally be allowed to use their SSN. |
07/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | ID | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000127828 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127828 | XXXXX | XXXXX | 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 $XXXXexceeds tolerance of $XXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129069 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Page 1 of the closing statement appears to be missing. | Reviewer Comment (2026-06-11): c Seller Comment (2026-06-11): Comment from XXXX (XXXX): Please see attached. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129532 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 not provided in file. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131580 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Second Home | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131580 | XXXXX | XXXXX | 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 three (3) business days of application. Initial Loan Estimate dated XXXX 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 (2026-06-12): XXXX received earliest
consent for LE. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Econsent |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131580 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Tax Return Extension Provided. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Second Home | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131580 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | no cure was provided | Reviewer Comment (2026-06-19): XXXX received LOE and COC
suffice Seller Comment (2026-06-17): Comment from XXXX (XXXX): Please read LOX Reviewer Comment (2026-06-12): XXXX received COC dated XXXX.However, the fee added on CD dated XXXX for $XXXX and again it increased on CD dated XXXX for $XXXX. Therefore, we would require a valid COC for the fee increased on CD dated XXXX for $XXXX or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-06-11): Comment from XXXX (XXXX): CIC |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131580 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrowers are purchasing a new property as a second home that is in close proximity to current primary. The Borrowers intent is to occupy the subject property as a primary residence after renovations. They plan to rent out or sell current primary | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-10): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NH | Second Home | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000130138 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000128990 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129101 | XXXXX | XXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-07-01): Spousal consent is not
required per guidelines Reviewer Comment (2026-06-22): Spousal Consent Form/Lender Exception from XXXX is required to clear the Exception. Exception remains. Buyer Comment (2026-06-22): Comment from XXXX (XXXX): XXXX Disagree. This is a purchase transaction where the spouse does not have any interest and the Borrower is the sole owner of the LL and therefore spousal consent is not required. Reviewer Comment (2026-06-19): XXXX is a community property state. Without an exception from the buyer is needed. Buyer Comment (2026-06-19): Comment from XXXX (XXXX): XXXX Disagree. This loan an investment that closed in a LLC and the spousal consent is not required |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129661 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129661 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129661 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. | Reviewer Comment (2026-06-08): Loan is subject to
rescission. |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129661 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of $XXXX is under-disclosed by $XXXX compared to the calculated Finance Charge of $XXXX, which exceeds the $XXXX threshold. | Reviewer Comment (2026-06-08): Finance charge understated
by $XXXX. No high-cost analysis is included in the file. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130811 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131024 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower has only been self-employed for 1 year, 2 months. Minimum 2 years per guides. | Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-09): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000131853 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129726 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000128098 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Provide additional assets to meet the cash to close/reserve requirement. | Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): XXXX: Please see the attached transaction history reflecting an ending balance of $XXXX for XXXX XXXX |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128098 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Provide additional assets to meet the cash to close/reserve requirement. | Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX XXXX): XXXX: Please see the attached transaction history reflecting an ending balance of $XXXX for XXXX XXXX |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131763 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | 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 | |||||||||||||||
| XXXXX | 4000130551 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-08): Accepted as is per
client. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129297 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | no cure was provided. | Reviewer Comment (2026-06-15): XXXX received rebuttal
stating borrower didn't shop from SSPl. Buyer Comment (2026-06-12): Comment from XXXX (XXXX): This is invalid. Total title + recording fees decreased from $XXXX on the loan estimate to $XXXX at closing. In addition, the borrower chose a different title office than the one listed on the service provider list so title fees would not be subject to 10% tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132571 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XXXX). | Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under-disclosed by $XXXX compared to the calculated Finance Charge of $XXXX, which exceeds the $XXXX threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XXXX. | Reviewer Comment (2026-07-29): XXXX received PCCD, LOE,
Copy of Refund Check and Proof of Mailing. Seller Comment (2026-07-28): Comment from XXXX (XXXX): a Reviewer Comment (2026-07-13): Please provide copy of refund check for the $XXXX under disclosure. Seller Comment (2026-07-10): Comment from XXXX (XXXX): a |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131987 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131987 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Please provide donor check to verify the gift funds. | Reviewer Comment (2026-06-15): Received Wire Confirmation.
Excption cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): XXXX: please see the attached documentation. I've attached the wire receipt from the gift funds sent by the donor. Please note that the originator lines up with the donor on the gift letter and the funds line up. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129100 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-11): Clearing based on review
coming back within tolerances. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129437 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MS | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129839 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000129839 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000130635 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title policy does not list policy amount. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129132 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | More than 3 NSF?OD items in the last 12 months, with 1 or
more in the last 3 months. NSF: dated on XXXX and XXXX; OD dated on XXXX and XXXX. Additionally negative ending balance noted on XXXX |
Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-11): Lender exception
approved |
06/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000131887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129431 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX 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): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129431 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the appraisal invoice reflecting an amount of $XXXX, along with documentation for additional assets totaling $XXXX to satisfy the reserve requirement. | Reviewer Comment (2026-06-14): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Hello, Please see attached |
06/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129938 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129938 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing donor check in the amount of $XXXX. | Reviewer Comment (2026-06-10): Wire confirmation,
cleared Seller Comment (2026-06-10): Comment from XXXX (XXXX): wire confirmation gift sent at closing |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131481 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-11): Clearing based on review
coming back within tolerances. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131885 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of appraisal was not found in the file. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Home Improvement | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131885 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Home Improvement | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131937 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-11): Clearing based on review
coming back within tolerances. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131937 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131937 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX% exceeds
Guideline loan to value percentage of XXXX%. Non-Warrantable Condo XXXX% max LTV; and in Declining Market less XXXX% = XXXX%. |
Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Please see attached email LOX and CLTV condition items from our management team to please clear condition. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131937 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX%
exceeds Guideline combined loan to value percentage of XXXX%. Non-Warrantable Condo XXXX% max LTV; and in Declining Market less XXXX% = XXXX%. |
Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Please see attached email LOX and CLTV condition items from our management team to please clear condition. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132003 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130174 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-11): Clearing based on review
coming back within tolerances. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131546 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent Loss amount is unspecified per HOI policy provided. Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents, per Guidelines. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-17): Comment from XXXX (XXXX): attached |
06/17/2026 | 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 | ||||||||||||||
| XXXXX | 4000130125 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129540 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129669 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130820 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130820 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Reviewer Comment (2026-06-12): Received Tax Certificate.
Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Please see attached the TAX cert. We have never been asked to submit a tax certificate before, so we're not sure why this document is being requested. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130820 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Please provide POCB paid Invoice for HOI Premium to meet closing cost requirements. | Reviewer Comment (2026-06-11): Received POCB Invoice for
HOI premium. Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Please see attached the POCB paid Invoice for HOI Premium. We have never been asked to submit a POCB paid Invoice for HOI Premium before, so we're not sure why this document is being requested. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130820 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Please provide POCB paid Invoice for HOI Premium to meet closing cost requirements. | Reviewer Comment (2026-06-15): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Please see attached the POCB paid Invoice for HOI Premium. We have never been asked to submit a POCB paid Invoice for HOI Premium before, so we're not sure why this document is being requested. |
06/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130820 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Please provide POCB paid Invoice for HOI Premium to meet closing cost requirements. | Reviewer Comment (2026-06-15): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Please see attached the POCB paid Invoice for HOI Premium. We have never been asked to submit a POCB paid Invoice for HOI Premium before, so we're not sure why this document is being requested. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130820 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Please provide POCB paid Invoice for HOI Premium to meet closing cost requirements. | Reviewer Comment (2026-06-15): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Please see attached the POCB paid Invoice for HOI Premium. We have never been asked to submit a POCB paid Invoice for HOI Premium before, so we're not sure why this document is being requested. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130820 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Please provide POCB paid Invoice for HOI Premium to meet closing cost requirements. | Reviewer Comment (2026-06-15): Received, Clearing. |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130203 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-12): Clearing based on review
coming back within tolerances. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130487 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131776 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | As per Final 1003 Declaration, borrower occupied subject property as primary residence. | Reviewer Comment (2026-06-15): 1003 updated, cleared Seller Comment (2026-06-15): Comment from XXXX (XXXX): updated 1003 |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131776 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to business funds used for closing/reserves is missing. | Reviewer Comment (2026-07-01): Received Business entity
listing. Exception cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): attached is state record of ownership Reviewer Comment (2026-06-15): Required CPA letter or any third-party equivalent document to confirm % of ownership in the business. Exception remains. Seller Comment (2026-06-15): Comment from XXXX (XXXX): borrower has full access to account and reserves sent over in initial closing pkg submission |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000132768 | XXXXX | XXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease agreement is missing. | Reviewer Comment (2026-06-15): Lease provided. Cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Lease agreement |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000131135 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment title policy amount is blank | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131135 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Fee Amount of $XXXX exceeds tolerance of $XXXX. No change of circumstance is in file. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131893 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131893 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy in XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131893 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-U.S. Citizen is missing from the file. | Reviewer Comment (2026-06-22): Received Permanent Resident
Card. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Hello, Please see attached |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131893 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | XXXX and XXXX credit cards were excluded from the liabilities, however, the file is missing evidence they were paid off prior to close. We cannot use the post-closing credit report. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-19): Per ATR no credit documents can be dated after the note date. We need proof of the debts being paid off prior for ATR. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Hello, Please see attached |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131893 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The DTI calculated in accordance with the Lender's Guidelines and 1026.43(c)(5) of XXXX% moderately exceeds the guideline maximum of XXXX%. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-19): Per ATR no credit documents can be dated after the note date. We need proof of the debts being paid off prior for ATR. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Hello, Please see attached |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131893 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The DTI calculated in accordance with the Lender's Guidelines and 1026.43(c)(5) of XXXX% moderately exceeds the guideline maximum of XXXX%. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-19): Per ATR no credit documents can be dated after the note date. We need proof of the debts being paid off prior for ATR. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Hello, Please see attached |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131893 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% moderately exceeds the guideline maximum of XXXX%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lender's Guidelines and 1026.43(c)(5) of XXXX% moderately exceeds the guideline maximum of XXXX%. Wells and Discover credit cards were excluded from the liabilities, however, the file is missing evidence they were paid off prior to close. We cannot use the post-closing credit report. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-19): Per ATR no credit documents can be dated after the note date. We need proof of the debts being paid off prior for ATR. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Hello, Please see attached |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129433 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount. Final title policy was not found in file. Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000129433 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-12): Clearing based on review
coming back within tolerances. Reviewer Comment (2026-06-12): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-06-12): Comment from Post Closing (XXXX): Hi team, what document we need to provide to clear this condition? |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide the List of Homeownership Counseling Organizations to the borrower. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-11): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-06-11): Comment from Post Closing (XXXX): See attached |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy is due to missing guideline-required documentation for a 12-Month P&L Statement loan. | Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from Post Closing (XXXX): See attached |
06/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | HI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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 12-Month P&L Statement is not signed by the borrower; documentation that the EA license is active is missing and borrower narrative on the nature of business is missing. | Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from Post Closing (XXXX): See attached |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The 12-Month P&L Statement is not signed by the borrower; documentation that the EA license is active is missing and borrower narrative on the nature of business is missing. | Reviewer Comment (2026-06-12): Received P&L with
borrower attestation. Exception cleared. Seller Comment (2026-06-12): Comment from Post Closing (XXXX): See attached |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132797 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The 12-Month P&L Statement is not signed by the borrower; documentation that the EA license is active is missing and borrower narrative on the nature of business is missing. | Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from Post Closing (XXXX): See attached |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131970 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129649 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130417 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-12): Clearing based on review
coming back within tolerances. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132629 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided | Missing for XXXX. | Reviewer Comment (2026-06-16): Received Articles of Incorporation. Exception
cleared. Seller Comment (2026-06-16): Comment from XXXX (XXXX): see attached |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132629 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing for XXXX. | Reviewer Comment (2026-06-16): Received Business Entity
Listing. Exception cleared. Seller Comment (2026-06-16): Comment from XXXX (XXXX): see attached |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132629 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing EIN and Operating Agreement for XXXX. | Reviewer Comment (2026-06-16): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-06-16): Comment from XXXX (XXXX): see attached |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132504 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD-1, Closing Disclosure is missing. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-16): Comment from XXXX (XXXX): final CD |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132504 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy end date is XXXX. Within 90 days of the Note date XXXX. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000132504 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Not provided for XXXX | Reviewer Comment (2026-06-15): Received Articles of
Organization/Formation for XXXX. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): XXXX docs |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132504 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Not provided for XXXX | Reviewer Comment (2026-06-15): Received Certificate of
Good Standing for XXXX. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): cert of good standing |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132504 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement for XXXX was not executed. Operating Agreement for XXXX was not provided. | Reviewer Comment (2026-06-18): Executed Operating
Agreements provided. Cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): signed copy Reviewer Comment (2026-06-17): Received an unsigned copy of XXXX. Please provide a signed copy. Exception remains Seller Comment (2026-06-16): Comment from XXXX (XXXX): XXXXXX XXXX Reviewer Comment (2026-06-15): The Operating Agreement for XXXX has been received however the signed Operating Agreement for XXXX has not been received. Exception remains. Seller Comment (2026-06-15): Comment from XXXX (XXXX): ARTICLES OF INCORP |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132500 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): HOI update |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132500 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The 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 (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-12): Clearing based on review
coming back within tolerances. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | A Change of Circumstance dated XXXX reflects a Re-inspection Fee of $XXXX, however the initial Closing Disclosure dated XXXX is the earliest dated document reflecting the fee and was not provided to the borrower within three business days of the change. | Reviewer Comment (2026-07-13): XXXX received multiple
COCs. LEs and CDs and as per COC dated XXXX. Seller Comment (2026-07-09): Comment from XXXX (XXXX): COC CD XXXX and audit trail Reviewer Comment (2026-07-02): XXXX: Provided LE indicates property address as "XXXX" whereas on closing document shows that property address as "XXXX". Provided corresponding document for testing. Seller Comment (2026-07-01): Comment from XXXX (XXXX): LE's with Audit Log and CD with Audit Log Reviewer Comment (2026-07-01): XXXX: Provided LE dated XXXX, XXXX and initial CD dated XXXX property address is different from the subject property address. Please provide disclosures summary with missing documents for testing to reevaluate and re-baseline this exception. Seller Comment (2026-06-29): Comment from XXXX (XXXX): LE Disclosing the Reinspection Fee Reviewer Comment (2026-06-15): Corrected 1003 was not executed by borrower. Exception remains. Seller Comment (2026-06-15): Comment from XXXX (XXXX): COC LE |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | A Change of Circumstance dated XXXX reflects a Collateral Desktop Analysis fee of $XXXX, and a Change of Circumstance dated XXXX reflects an additional Collateral Desktop Analysis fee of $XXXX, however the initial Closing Disclosure dated XXXXis the earliest dated document reflecting the fee and was not provided to the borrower within three business days of the change. | Reviewer Comment (2026-07-13): XXXX received multiple
COCs. LEs and CDs and as per COC dated XXXX. Seller Comment (2026-07-09): Comment from XXXX (XXXX): XXXX Disclosure Tracking, XXXX LE and Disclosure Tracking, XXXX and XXXX Reviewer Comment (2026-07-01): XXXX: Provided LE dated XXXX, XXXX and initial CD dated XXXX property address is different from the subject property address. Please provide disclosures summary with missing documents for testing to reevaluate and re-baseline this exception. Seller Comment (2026-06-29): Comment from XXXX (XXXX): COC CD for CDA |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Reviewer Comment (2026-06-15): Received Third party
Verification of Employment. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): VOE |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide an LOE from the borrower explaining the nature of the relationship with the seller. Section 5, B of the application, 'If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?' has been answered Yes. | Reviewer Comment (2026-06-25): Received, Clearing. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Executed 1003 Reviewer Comment (2026-06-15): Corrected 1003 provided must be executed by borrower. Exception remains. Seller Comment (2026-06-15): Comment from XXXX (XXXX): URLA Explanation-. Please see attached updated 1003 The file was originally submitted as a R/T refinance vs a purchase. The borrowers marked yes, as they had been working with the builder to purchase the lot for which they were building the subject on. They considered that a business affiliation, they are not related nor do they work for the builder. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The date the valuation was provided to the borrower is prior to the date when the valuation was performed. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000130124 | XXXXX | XXXXX | 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 $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX disclosed in locked LE dated XXXX. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-15): XXXX received updated CD
and valid changed circumstance. Seller Comment (2026-07-14): Comment from XXXX (XXXX): PCCD |
07/15/2026 | No | 1 | A | A | A | A | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||||||
| XXXXX | 4000132295 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Please provide Article of Organization for the business Entity. | Reviewer Comment (2026-06-12): Received Articles of
Organization/Formation. Exception cleared Seller Comment (2026-06-12): Comment from XXXX (XXXX): Please find Article of Organization for the business Entity. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132295 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Please provide Certificate of Good Standing for the business Entity. | Reviewer Comment (2026-06-12): Received Business Entity
Listing. Exception cleared. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Please find the attached Certificate of Good Standing. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132870 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is missing. | Reviewer Comment (2026-06-12): Received, Clearing. |
06/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130294 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for FTHB payment shock over XXXX%. Comp factors FICO XXXX, 25 months reserves, XXXX% down payment. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-12): Client elects to
waive/regrade with compensating factors. |
06/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129960 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | 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 | ||||||||||||
| XXXXX | 4000130894 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 Policy is within CA and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130894 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-06-16): Closing Statement provided.
Cleared. Reviewer Comment (2026-06-16): Although the net proceeds have been included as per the provided closing statement, there is still an asset shortfall. Kindly provide additional asset documents to meet the reserve requirements. Exception remains. Seller Comment (2026-06-16): Comment from XXXX(XXXX): ALTA for sale of XXXX |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130894 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): 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 (2026-06-16): Closing Statement provided.
Cleared. Seller Comment (2026-06-16): Comment from XXXX(XXXX): ALTA for sale of XXXX |
06/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130894 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 (2026-06-16): Closing Statement provided.
Cleared. Seller Comment (2026-06-16): Comment from XXXX(XXXX): ALTA Stmt for sale of XXXX |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130894 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | The file is missing copy of net proceed document for borrower's REO property. | Reviewer Comment (2026-06-16): Closing Statement provided.
Cleared. Reviewer Comment (2026-06-16): Although the net proceeds have been included as per the provided closing statement, there is still an asset shortfall. Kindly provide additional asset documents to meet the reserve requirements. Exception remains. Seller Comment (2026-06-16): Comment from XXXX(XXXX): ALTA for sale of XXXX |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130894 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing evidence that current primary residence has sold. Require copy of final settlement statement to show evidence of the sale and funds for closing. If property is not yet sold will need to obtain 1004 and LOX documentation to meet the departing residence guidelines. | Reviewer Comment (2026-06-16): Received Closing Statement.
Exception cleared. Seller Comment (2026-06-16): Comment from XXXX(XXXX): ALTA for sale of XXXX |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130894 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130178 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130178 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130178 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence the borrower was provided with a copy of the appraisal at least three days prior to closing. | Reviewer Comment (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131225 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Available reserves of $XXXX is less than calculated available of reserves of $XXXX. | Reviewer Comment (2026-06-15): After further review,
exception has been cleared Buyer Comment (2026-06-15): Comment from XXXX (XXXX): Funds for closing = $XXXX + Reserves $XXXX = $XXXX total. The amount of funds available are $XXXX XXXX $XXXX XXXX $XXXX XXXX $XXXX XXXX $XXXX XXXX $XXXX Please advise what is missing |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130490 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130490 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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. 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 (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129486 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129384 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements | Reviewer Comment (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000130112 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): 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 (2026-06-23): Received, Clearing. Buyer Comment (2026-06-23): Comment from XXXX (XXXX): Please clear as this seems to be connected to other condition on income calculations |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130112 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount (XXXX) and calculated Non QM residual amount (XXXX) are both lower than the amount required per the guidelines (XXXX). | Reviewer Comment (2026-06-23): Received, Clearing. Buyer Comment (2026-06-23): Comment from XXXX (XXXX): Please clear as this seems to be connected to other condition on income calculations |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130112 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Reviewer Comment (2026-06-18): After adjusting the monthly
income, the residual income meets the required guideline limits. Exception
cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): This is an asset qualifying loan, not traditional income. Asset calculation in file supports sufficient residual income. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131038 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131038 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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. 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 (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132421 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130413 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130413 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130413 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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. 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 (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129854 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Interest Only loan and borrower 1 is a FTHB | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-15): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129854 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130340 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-16): Clearing based on review
coming back within tolerances. |
06/16/2026 | No | 1 | A | A | A | A | A | TX | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000131480 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia 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 (2026-06-15): Broker and originator are
not the same Reviewer Comment (2026-06-15): Reopened Reviewer Comment (2026-06-12): Accepted as is. |
06/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132874 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-06-22): Additional deposit made
XXXX. Verification received in trailing documents Reviewer Comment (2026-06-22): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXXis less than Cash From Borrower $XXXX. Reviewer Comment (2026-06-16): Reviewed CD and shortage still remains. Seller Comment (2026-06-16): Comment from XXXX (XXXX): please see the attached CD shows cash to close is $XXXX which is included $XXXX seller credit borrower's total asset is $XXXX and 2 mths PI is $XXXX |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132874 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-06-22): Additional deposit made
XXXX. Verification received in trailing documents Reviewer Comment (2026-06-22): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000132874 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-22): Additional deposit made
XXXX. Verification received in trailing documents |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132874 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan is short closing costs and reserves | Reviewer Comment (2026-06-22): Additional deposit made
XXXX. Verification received in trailing documents |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131057 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-16): Clearing based on review
coming back within tolerances. |
06/16/2026 | No | 1 | A | A | A | A | A | TN | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000130959 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130959 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130067 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129344 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Using XXXX% value of business account owned by borrower and non-borrowing spouse XXXX/XXXX. Approved with comp factors FICO is XXXX+ above minimum, DSCR is XXXX over minimum, XXXX months of reserves. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-15): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130101 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128730 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129548 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130876 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-16): Clearing based on review
coming back within tolerances. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131180 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000131180 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-06-17): Received RCE Seller Comment (2026-06-17): Comment from XXXX (XXXX): XXXX: Please see attached documentation |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131058 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-16): Clearing based on review
coming back within tolerances. |
06/16/2026 | 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 | |||||||||||||||
| XXXXX | 4000132163 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing. | Reviewer Comment (2026-06-18): Received Credit Report.
Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Please see credit report |
06/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132163 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Waterfall due to rural properties, max XXXX% allowed per CORE DSCR guidelines. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-29): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-06-29): Comment from XXXX (XXXX): Please see Exception request approval Reviewer Comment (2026-06-18): We can not move forward without the buyer signed exception approval. Buyer Comment (2026-06-17): Comment from XXXX (XXXX): The upload was provided to show that the exception was already approved. Reviewer Comment (2026-06-17): Guideline exception approvals should come from the buyer. Please request through the seller portal Seller Comment (2026-06-17): Comment from XXXX (XXXX): Please see approved exception |
06/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000132163 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Waterfall due to rural properties, max XXXX% allowed per CORE DSCR guidelines. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-29): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000132163 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Fewer than two sold comparables were used in the property valuation. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-29): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/29/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||||||
| XXXXX | 4000130109 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000130109 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000130444 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130342 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130342 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130342 | XXXXX | XXXXX | 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 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132016 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of gift funds in the amount of $XXXX. | Reviewer Comment (2026-06-23): Received Donor Check.
Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): EMD Gift funds |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132016 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of donor check in the amount of $XXXX. | Reviewer Comment (2026-06-26): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Gift Wire |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132427 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of appraisal was not found in file. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132427 | XXXXX | XXXXX | 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-9 form was used, the H-8 form should have been used. | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, this loan was funded through XXXX as XXXX is our Mini-Correspondent. Therefore, XXXX was the Creditor for Loan #; XXXX that funded in XXXX. Please kindly see the attached First Payment Letter asking the Borrower to make the first payment to XXXX showing the loan number and the Note showing the same loan number. Therefore, H-9 form would be the correct form to use. Thank you. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | ||||||||||
| XXXXX | 4000132331 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Reviewer Comment (2026-06-18): Updated Replacement cost
value, Exception Cleared. Buyer Comment (2026-06-18): Comment from XXXX (XXXX): Please see original scanned docs under property hazard insurance. Should be page 9. There is a replacement cost estimator reflecting $XXXX which is the same coverage and sufficient per guidelines. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132331 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Reviewer Comment (2026-06-19): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Please see PCCD docs. There was a clerical error and the lender credit for $XXXX due to the appraisal fee increase was entered into the system incorrectly. This has been corrected and legal limit is $XXXX. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132331 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Reviewer Comment (2026-06-19): Cured at closing or within
60 days of consummation prior to TPR review Buyer Comment (2026-06-18): Comment from XXXX (XXXX): Please waive condition as the Final Closing Disclosure reflects a cure of $XXXX for the credit report fee violation. |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132331 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Verification(s) of employment is not within 10 calendar days of the Note. | Reviewer Comment (2026-06-19): Received VVOE. Exception
cleared. Seller Comment (2026-06-19): Comment from XXXX (XXXX): Please see attached VVOE |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132331 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Verification of the Bridge Loan was not provided in file. | Reviewer Comment (2026-06-18): Received the Closing
Disclosure confirming that the verification of the bridge loan from the
refinance of the property at XXXX included in assets. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Please see attached final CD for bridge loan to confirm proceeds and payoff. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132331 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification(s) of employment are not within 10 calendar days of the Note. Verification of the bridge loan was not provided in the file. | Reviewer Comment (2026-06-18): Received the Closing
Disclosure confirming that the verification of the bridge loan from the
refinance of the property at XXXX included in assets. Exception cleared. |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132331 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 are not within 10 calendar days of the Note. Verification of the bridge loan was not provided in the file. | Reviewer Comment (2026-06-18): Received the Closing
Disclosure confirming that the verification of the bridge loan from the
refinance of the property at XXXX included in assets. Exception cleared. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130228 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130228 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Please provide paid invoice for POCB Appraisal Fee of $XXXX. | Reviewer Comment (2026-06-18): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/18/2026 | 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 | |||||||||||
| XXXXX | 4000130228 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Please provide paid invoice for POCB Appraisal Fee of $XXXX. | Reviewer Comment (2026-06-18): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130228 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Please provide paid invoice for POCB Appraisal Fee of $XXXX. | Reviewer Comment (2026-06-18): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/18/2026 | 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 | ||||||||||
| XXXXX | 4000130228 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Please provide paid invoice for POCB Appraisal Fee of $XXXX. | Reviewer Comment (2026-06-18): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/18/2026 | 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 | ||||||||||
| XXXXX | 4000130228 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Please provide paid invoice for POCB Appraisal Fee of $XXXX. | Reviewer Comment (2026-06-18): Received POCB Invoice for
Appraisal Fee. Exception cleared. |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130630 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust agreement is missing for access to funds in the trust account. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-21): Client exception
received. Seller Comment (2026-07-20): Comment from XXXX (XXXX): exception approved please clear Reviewer Comment (2026-07-06): An exception from the buyer of the loan is needed since the trust wasn't provided. Seller Comment (2026-07-02): Comment from XXXX (XXXX): Emailed from XXXX Advisor confirming access Reviewer Comment (2026-06-26): Please provide verification to prove this and the trust itself. Seller Comment (2026-06-25): Comment from XXXX (XXXX): For XXXX, my Aunt XXXX died several years prior to my dad's passing, but he never updated the trust to remove her. I am the only other person listed, so anything that had her name associated with it, reverted to me. |
07/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130472 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception - XXXX used to estimate STR income for
property recently purchased by borrower that does not have sufficient history
of receipt to meet guidelines (12 months). Situation, Borrower has purchased
property in XXXX in XXXX. It is listed for STR rent, but not enough time has
passed since purchase to allow for 12 month history of receipt. XXXX report shows $XXXX/month average. The Lender exception form in the loan file is not completed. Provide completed lender exception form. |
Borrower has been employed in the same industry for more
than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Client exception
received. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Attaching the exception approval for the use of XXXX on non-subject REO w/out 12 month history. This is what they sent us, and is in file attached to the 1008. |
06/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000130472 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | An LOE for Intent to Sell departing residence is not in the loan file. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-17): Comment from XXXX (XXXX): XXXX shows house was already listed for sale before we closed. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | WA | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130694 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132564 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| XXXXX | 4000132564 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing. | Reviewer Comment (2026-06-16): Received, Clearing. Seller Comment (2026-06-16): Comment from XXXX (XXXX): Loan application attached |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130683 | XXXXX | XXXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing disclosure Issue Date: XXXX; Received Date: XXXX. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130633 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130493 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Cure of XXXX provided for Appraisal Fee. | Reviewer Comment (2026-06-24): Cured at closing or within
60 days of consummation prior to TPR review Seller Comment (2026-06-23): Comment from XXXX (XXXX): Copy of PC CD, letter to borrower, refund check and fed ex label. |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130493 | XXXXX | XXXXX | 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 TX Guaranty Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided for TX Guaranty Fee. | Reviewer Comment (2026-06-24): XXXX Received Letter of Explanation, Proof of Delivery,
Copy of Refund Check, and Corrected CD. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130486 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000129922 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing appraisal for departing residence. | Reviewer Comment (2026-06-18): Received the Appraisal for
the departing residence at XXXX. Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Appraisal |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132496 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000132496 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132496 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is Missing | Reviewer Comment (2026-06-18): Received Flood Certificate.
Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): flood cert |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130591 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130878 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000130878 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-22): Received appraisal
e-delivery Seller Comment (2026-06-20): Comment from XXXX (XXXX): See attached proof of deliveries. |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000130878 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000129851 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129205 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exterior is hardboard / log / good. Subject has a log exterior that is layered in and visible from inside of two bedrooms. Exception approved for a "XXXX" log home with -125 LPA and with noted comp factors = EP Second home purchase transaction w/20% down payment, XXXX FICO, XXXX% DTI, XXXX months reserves and$XXXX+ monthly residual. | Borrower has been employed in the same industry for more
than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Client elects to
waive/regrade with compensating factors. |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129205 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Second Home | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129205 | XXXXX | XXXXX | 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 three (3) business days prior to closing. | Initial Closing Disclosure was not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-06-19): XXXX received XXXX Initial
CD, 3 business days prior to the consummation. Seller Comment (2026-06-18): Comment from XXXX (XXXX): see attached |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000128076 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-06-18): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Fraud Report |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000128076 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Tax Return Extension verified in file. Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. (XXXX/Schedule K-1 less than 25 Percent) |
Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128076 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception is to allow for a Second Home purchase -
Property is a second home with an ADU. The ADU has long term rent agreement.
No rental income being used to qualify for the loan Compensating Factors include Low DTI, Long term employment (25 yrs) and long term home ownership, strong credit. |
Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Lender exception
approved |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | HI | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000130777 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130433 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130719 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-06-25): XXXX received Post CD and
LOX along with Final SS. Seller Comment (2026-06-24): Comment from XXXX (XXXX): pccd and final ss |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | 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 | |||||||||
| XXXXX | 4000130719 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for DTI exceeds XXXX% for Non-Occupant
Co-Borrower transaction. Compensating factors include primary borrower income = 2.2 x greater than subject PITIA from W2 earnings with additional rental income from Departing Residence. XXXX income is fixed type with additional earnings from Inv property. Both meet tradeline requirements. Primary borrower contributing all assets towards transaction. |
Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Lender exception
approved |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000130719 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130806 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130806 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129407 | XXXXX | XXXXX | 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 three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing | Reviewer Comment (2026-06-19): XXXX received XXXX Initial
CD, 3 business days prior to the consummation. Seller Comment (2026-06-18): Comment from XXXX(XXXX): iCD XXXX |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129407 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of gift funds in the amount of $XXXX. | Reviewer Comment (2026-06-18): Received wire confirmation
for gift funds of $XXXX. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX(XXXX): Gift Fund Wire $XXXX |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130951 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): rental schedule lox |
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 | |||||||||||||||
| XXXXX | 4000132639 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | B | B | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132639 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Loan is to be securitized. Appraisal is missing. | Reviewer Comment (2026-06-18): Received Appraisal.
Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | B | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132639 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of appraisal is not found in the file. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | B | B | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130886 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131798 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal delivery to borrower was not provided. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131798 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129581 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000132153 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-19): Clearing based on review
coming back within tolerances. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000129449 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131748 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file is missing copy of Article of Organization/ Formation document . | Reviewer Comment (2026-06-18): Received Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Cert of Organization |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131748 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing copy of Operating Agreement document . | Borrower has owned the subject property for at least 5
years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-02): Client elects to waive with
compensating factors Reviewer Comment (2026-07-02): We need the signed exception from the buyer of the loan. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Email from XXXX (XXXX) approving use of lender certification for Operating Agreement requirements for state of XXXX. Reviewer Comment (2026-07-01): The Lender exception requires "borrower to provide signed LOE regarding single member LLC with no Operating Agreement." Seller Comment (2026-07-01): Comment from XXXX (XXXX): Loan Exception for Operating Agreement requirement Reviewer Comment (2026-06-26): As per XXXX DSCR Guidelines Operating Agreement is required. Exception remains. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Condition Rebuttal Reviewer Comment (2026-06-22): Required Operating Agreement for Business Entity XXXX. Exception remains. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Operating Agreement for XXXX Reviewer Comment (2026-06-18): Required Operating Agreement for Business Entity XXXX. Exception remains. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Business entity docs |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | UT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000131748 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease agreement was not provided in file. | Reviewer Comment (2026-06-18): Received Lease Agreement.
Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Lease agreement |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131748 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | The master policy expires within 90 days of the Note Date. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000132638 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Preliminary in file. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132638 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132638 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. 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? reflects neither Yes nor No. Unable to determine qualification without this information. | - | 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? is blank. | Reviewer Comment (2026-06-18): Received 1003 updated
Declarations page. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000130474 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds is missing signature. | Reviewer Comment (2026-06-19): Received signed Evidence of
Access to Funds. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): LOE Access |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128831 | XXXXX | XXXXX | 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 three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-06-19): XXXX received initial
CD. Seller Comment (2026-06-18): Comment from XXXX(XXXX): iCD XXXX and audit log for disclosure |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000128831 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $XXXX due to Lender Credits No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-06-19): XXXX received a valid
COC. Seller Comment (2026-06-18): Comment from XXXX(XXXX): Subject prop in escrow state - pls see PCCD/LOE and Final Settlement Stmt. Upon review, pls clarify condition. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130288 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-19): Clearing based on review
coming back within tolerances. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132151 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132151 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-19): Clearing based on review
coming back within tolerances. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131191 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Coverage amount not provided on preliminary title. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131191 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal dated XXXX is missing evidence of receipt. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131280 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage is short $XXXX. | Reviewer Comment (2026-06-17): RCE, cleared Seller Comment (2026-06-17): Comment from XXXX (XXXX): RCE attached ;) Reviewer Comment (2026-06-17): Required Replacement Cost Estimator. Exception remains. Seller Comment (2026-06-17): Comment from XXXX (XXXX): attached |
06/17/2026 | 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 | ||||||||||||||
| XXXXX | 4000128030 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128030 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000128030 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Verification(s) of employment is not within 10 calendar
days of the Note. Income Type: Wages / Start Date: XXXX |
Reviewer Comment (2026-06-19): VVOE provided. Cleared. Seller Comment (2026-06-19): Comment from XXXX (XXXX): i've uploaded voe for volvo dated XXXX. date is listed at the bottom. This is prior per your request. Reviewer Comment (2026-06-19): ATR cannot view employment the note signing. An exception from the buyer would be needed. Seller Comment (2026-06-19): Comment from XXXX (XXXX): PLEASE TAKE A SECOND LOOK PER YOUR GUIDELINES. Reviewer Comment (2026-06-18): The VOE is dated Post close Verified on XXXX. Provide VVOE dated within 10 days prior to the Note date. Seller Comment (2026-06-18): Comment from XXXX (XXXX): please review again the verification is the first document. i separated them. Reviewer Comment (2026-06-18): Provide Verification(s) of employment for XXXX. Exception remains. Seller Comment (2026-06-18): Comment from XXXX (XXXX): revised voe |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132004 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-19): Clearing based on review
coming back within tolerances. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132595 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-07-01): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-06-30): Comment from XXXX (XXXX): RCE attached Reviewer Comment (2026-06-26): Dwelling additional coverage endorsement is present however % of extention is not mentioned. Exception remains. Buyer Comment (2026-06-26): Comment from XXXX (XXXX): Hello, can you please review the Homeowner insurance it also includes Dwelling additional coverage endorsement which would be sufficient coverage. Please advise, thank you. |
07/01/2026 | 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 | |||||||||||||||
| XXXXX | 4000132260 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was not found in file. | Reviewer Comment (2026-06-18): Received, Clearing. Seller Comment (2026-06-18): Comment from Post Closing (XXXX): Agreement |
06/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130600 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for mortgage with 180+ day lates in last 4 years. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Lender exception
approved |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000130528 | XXXXX | XXXXX | 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 three (3) business days prior to closing. | Initial CD not received 3 days prior to closing. | Reviewer Comment (2026-06-24): XXXX received initial
CD. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Initial CD |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000132382 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): 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 (2026-06-22): Income docs provided.
Cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): mavent |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Reviewer Comment (2026-06-22): Income docs provided.
Cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): income |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. | Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. | Reviewer Comment (2026-06-22): Income docs provided.
Cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): income |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-06-22): Income docs provided.
Cleared. |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-24): Upon further review
consumer within 0% tolerance requirements. Seller Comment (2026-06-22): Comment from XXXX (XXXX): We used the COC verbiage stating that schedule of rents was required on departing residence. This COC was already in file. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE/WVOE is Missing | Reviewer Comment (2026-06-22): Income docs provided.
Cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 (2026-06-22): Income docs provided.
Cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Verification(s) of employment was not provided. | Reviewer Comment (2026-06-22): Income docs provided.
Cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129651 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-22): Income docs provided.
Cleared. |
06/22/2026 | No | 1 | A | A | A | A | A | ID | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000131668 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-07-02): Client exception
received. Seller Comment (2026-07-02): Comment from XXXX (XXXX): exception granted |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000132046 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132046 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing. | Reviewer Comment (2026-06-22): Received Lease agreement.
Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132046 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing Statement is missing for Secured Loan funds. | Reviewer Comment (2026-06-24): Received Closing statement
confirming that the Net Proceeds from refinance of Real Estate of property CA
included in assets. Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-22): Received 1003 confirms that the funds have already been deposited into borrower account #XXXX. Please provide the source documentation such as the Closing Statement, HUD, or Closing Disclosure supporting the large deposit of $XXXX. Exception remains. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000132046 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131666 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): attached RCE Reviewer Comment (2026-06-18): Per guidelines: • 100% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. • All other coverages/property types follow FNMA policy. The loan amount doesn't play in this scenario. Seller Comment (2026-06-18): Comment from XXXX (XXXX): HOI reflects sufficient coverage: dwelling is at XXXX and loan amt is XXXX |
06/23/2026 | 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 | ||||||||||||||
| XXXXX | 4000131666 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The file is missing a copy of Employer Identification Number (EIN) | Reviewer Comment (2026-06-19): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-06-19): Comment from XXXX (XXXX): attached EIN |
06/19/2026 | 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 | ||||||||||||||
| XXXXX | 4000131666 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing a copy of Operating Agreement | Reviewer Comment (2026-06-19): Received Operating
Agreement. Exception cleared. Seller Comment (2026-06-19): Comment from XXXX (XXXX): attached Op Agr Reviewer Comment (2026-06-19): The exception was closed in error. Still missing the Operating Agreement. Buyer Comment (2026-06-19): Comment from XXXX (XXXX): Cleared - Received, Clearing. Reviewer Comment (2026-06-19): Closed in error. Reviewer Comment (2026-06-19): Received, Clearing. |
06/19/2026 | 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 | ||||||||||||||
| XXXXX | 4000131666 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The note must be signed by the guarantor(s) in their individual capacity and as member(s) and/or managing member(s) of the entity. If the note is not updated to reflect the signature requirements a personal guaranty agreement is required for both guarantors. | Reviewer Comment (2026-06-19): Received, Clearing. Seller Comment (2026-06-18): Comment from XXXX (XXXX): please see attached personal guaranty agreement |
06/19/2026 | 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 | ||||||||||||||
| XXXXX | 4000131678 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV of XXXX% exceeds guideline loan to value percentage of XXXX%. | Reviewer Comment (2026-06-22): Client is okay with slight
discrepancy, cleared |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000131678 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Provide housing history for current primary, VOR. or 12 months cancelled checks, bank debits, or via credit report. | Reviewer Comment (2026-07-08): VOR provided. Cleared. Seller Comment (2026-07-08): Comment from XXXX (XXXX): attached rental prop |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132632 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131628 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131628 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133068 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | GAP Note and Consolidated Note was not found in file. | Reviewer Comment (2026-06-26): Received Consolidated Note.
Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): misc |
06/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133068 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | GAP Mortgage & consolidated mortgage security instrument was not found in file. | Reviewer Comment (2026-06-26): Received Consolidated
mortgage. Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): misc |
06/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000132229 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | 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 | |||||||||||||||
| XXXXX | 4000131630 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | 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 | |||||||||||||||
| XXXXX | 4000129520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000129520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000129520 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Reviewer Comment (2026-06-21): Received Verification of
Mortgage (VOM). Exception cleared. Seller Comment (2026-06-20): Comment from XXXX (XXXX): See attached VOM |
06/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000109182 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX . Insufficient or no cure was provided to the borrower. | Final Lender Credit of XXXX exceeds tolerance of XXXX . Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-10): COC in file indicates
pricing change due to granted exception.
Approved exception form reflecting it was within 3 business days of
pricing change received in trailing doucments. Reviewer Comment (2026-01-27): The exception is not clearable at this time. Lender credit changes are generally tied to pricing. VCCs that may affect pricing change are a loan product change, rate lock, rate lock extension, relock and loan amount change in certain situations. The XXXX CD shows the addition of LDP fees, which may be tied to pricing change, but the VCC does not indicate a reason for the change and the file does not support any pricing change documentation for the time period in any other documentation. The seller would need to provide the reason for the change and supporting documentation about when they were notified of the change. Buyer Comment (2026-01-27): Attached find COC showing the Lender Credit was removed. |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 4000109182 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-14): CDFI lender testing ATR. |
01/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000129125 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for zoning, property is zoned as multiple use agricultural 10acres minimum. Compensating factors include FICO XXXX, LTV XXXX% and XXXX in residual income. | Borrower has verified disposable income of at least
$2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-19): Client elects to
waive/regrade with compensating factors. |
06/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000128508 | XXXXX | XXXXX | 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 three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XXXX) | Reviewer Comment (2026-06-24): XXXX received initial
LE. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Initial Disclosures |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128508 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Initial Disclosures |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000128508 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Initial Disclosures |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131022 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | The file is missing a copy of Rider - 1-4 Family. | Reviewer Comment (2026-06-24): Received 1-4 Family rider.
Exception cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): 1-4 Rider |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128078 | XXXXX | XXXXX | 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 XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-06-22): PCCD provided to clear. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Final CD |
06/22/2026 | 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 | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000128078 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX Tax Return Due Date XXXX. | 1040 and 1120S tax return extension for 2025 on file | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128078 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-06-26): Received Title Evidence.
Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): This was attached to previous condition Reviewer Comment (2026-06-25): No policy or commitment was provided. Buyer Comment (2026-06-25): Comment from XXXX (XXXX): Please review policy uploaded to prior condition Reviewer Comment (2026-06-24): Title Policy is not received. Exception remains. Buyer Comment (2026-06-23): Comment from XXXX (XXXX): Title uploaded |
06/26/2026 | 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 | ||||||||||||
| XXXXX | 4000128078 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128078 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000130415 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Layered entities are permitted up to two layers. | Borrowers made a down payment from their own funds on this
purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-30): Client elects to waive with
compensating factors Seller Comment (2026-06-30): Comment from XXXX (XXXX): See attached - XXXX Approved Exception Reviewer Comment (2026-06-23): Per the XXXX guidelines: Layered entities are permitted up to two (2) layers, as long as the ownership structure is consistent from top to bottom, with no discrepancies. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Rebuttal: There is not a place in the guidelines or matrix for theXXXX limiting the number of layers for LLC vesting. The only place that "multi-level" is mentioned is highlighted (see attached) not showing a limit. Please review and advise.. |
06/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130753 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraiser provided STR market rate on 1007, but calculated using XXXX with XXXX% Occupancy Rate, when XXXX% is required. A fully executed Lender Exception document was not provided. | Reviewer Comment (2026-06-23): Clearing based on review
coming back within tolerances. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130753 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-23): Clearing based on review
coming back within tolerances. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130753 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-22): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130079 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | All pages of the signed Note is cut off at the top, provide all pages of the executed Note. | Reviewer Comment (2026-06-22): Legible copy of Note
provided. Cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): uploaded requested note |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130477 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | To allow loan to proceed even though sellers acquired subject property less than XXXX days. Sellers acquired the property through an inheritance. Please see the explanation and transfer deed. The previous owner was the sellers' grandfather that passed away on XXXX. Property went through probate and was transferred to the sellers on XXXX. Sales contract executed XXXX. Approved not considered a flip transaction, .XXXX LPA with comp actors XXXX% down payment, XXXX FICO, XXXX DSCR, XXXX month reserves. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-22): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129963 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | NO valid COC or lender credit provided to borrower for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. | Reviewer Comment (2026-06-24): 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 (2026-06-23): Comment from XXXX (XXXX): This was cured on the final CD |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129963 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129963 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000130687 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132736 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent Resident Alien document is missing. | Reviewer Comment (2026-06-23): Received Permanent Resident
Card. Exception Cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Permanent Resident card attached |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132931 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing. | Reviewer Comment (2026-06-24): Received Note Addendum -
Prepayment. Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): prepayment addendum to note |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000132931 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-06-25): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): RCE |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132865 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-24): Clearing based on review
coming back within tolerances. |
06/24/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129369 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file was missing a copy of Hazard Insurance Policy Document. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): HOI |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000127813 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127813 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-24): Clearing based on review
coming back within tolerances. |
06/24/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000131735 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132171 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132171 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount. Final title policy was not found in file. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132029 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the POCB appraisal invoice reflecting an amount of $XXXX to meet closing cost requirements. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-24): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132029 | XXXXX | XXXXX | 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 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-24): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide a copy of the POCB appraisal invoice reflecting an amount of $XXXX to meet closing cost requirements. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | 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 | |||||||||
| XXXXX | 4000132029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Provide a copy of the POCB appraisal invoice reflecting an amount of $XXXX to meet closing cost requirements. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132568 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132568 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131902 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131902 | XXXXX | XXXXX | 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 required for First Time Homeowners. Verification is missing. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130834 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Tax Extension for year 2025 provided in file. The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. |
Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130834 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Tax Extension for year 2025 provided in file. The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. (XXXX/S-Corp) |
Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130834 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 policy is within XXXX and does not reflect a coverage amount (no final title policy was found in the file). | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131192 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131192 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000131192 | XXXXX | XXXXX | 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 Abstract / Title Search. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130390 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132210 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132210 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132201 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided | Verification of source of Earnest Money was not provided in file. | Reviewer Comment (2026-07-02): Pertinent documentation
received, cleared Seller Comment (2026-07-02): Comment from XXXX (XXXX): Assets Report - please refer to page 6 |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129307 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | Maryland HB 1399 is missing. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129307 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129624 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-06-30): Received, Clearing. Seller Comment (2026-06-29): Comment from XXXX (XXXX): rent loss |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131592 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000131592 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for rural property with horse stall and small shop/shed. LOX stating no intent to rent stalls or use as a hobby farm. Comps - low LTV, 1.5 million in assets post close, FICO, payment history, departure residence sold. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-24): Lender exception
approved |
06/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000131681 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-25): Clearing based on review
coming back within tolerances. |
06/25/2026 | No | 1 | A | A | A | A | A | MI | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000131410 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-25): Clearing based on review
coming back within tolerances. |
06/25/2026 | No | 1 | A | A | A | A | A | TN | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000132363 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Clearing based on review
coming back within tolerances. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000129426 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-06-25): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): XXXX: please see the attached fraud report for the loan which confirms all required information. |
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 | ||||||||||||||
| XXXXX | 4000130631 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $XXXX is less than Guideline minimum loan amount of $XXXX. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-24): Client elects to waive with
compensating factors |
06/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000130344 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130344 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-25): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130344 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-29): Cured at closing or within
60 days of consummation prior to TPR review Seller Comment (2026-06-26): Comment from XXXX (XXXX): See LOX and supporting final CD attached. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132782 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130739 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130731 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Rider 1-4 Family was not signed. | Reviewer Comment (2026-06-30): Received signed 1-4 family
rider signed Seller Comment (2026-06-30): Comment from XXXX (XXXX): Recorded deed of trust with signed 1-4 family rider attached |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132689 | XXXXX | XXXXX | 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 Hazard Insurance Policy Effective Date XXXX and Disbursement Date XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-06-30): LOE of no claims or damage
received. Seller Comment (2026-06-29): Comment from XXXX (XXXX): Email from insurance agent cofirming there have been no claims on subject property. Request a downgrade to a 2 and close out. |
06/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000132439 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception - borrower is a first-time investor with past home ownership more than 3 years ago (2022). Currently lives with daughter rent-free. Compensating factors include XXXX FICO score above program minimum by twenty (20) points or higher, PITIA/ITIA reserves above program minimum by six (6) months or higher. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-26): Lender exception
approved |
06/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000132757 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130535 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130535 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Final inspection fee increased from $XXXX to $XXXX without a valid COC. No cure provided to borrower. | Reviewer Comment (2026-07-22): XXXX received Corrected
PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check
resulting in a cured the exception. Seller Comment (2026-07-21): Comment from XXXX (XXXX): Please see attached verification of $XXXX refund/cure to borrower for the increased final inspection fee from $XXXX to $XXXX. Reviewer Comment (2026-07-15): XXXX received LOX for rebuttal response and valid COC for the fee added on XXXX Please provide documentation evidencing the refund credit to borrower with consists corrected CD, Letter of Explanation, copy of refund check and mailing label to cure this exception. Seller Comment (2026-07-13): Comment from XXXX (XXXX): Please see attached explanation regarding adding the initial Final Inspection Fee ($XXXX). We will provide a refund to the borrower for $XXXX. Reviewer Comment (2026-06-29): XXXX: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the final inspection fee was added on XXXX CD and again increased on XXXX CD. In order to determine if the changed circumstance is valid more information is necessary on reason fee added/increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-06-26): Comment from Purchasing Team (XXXX): CHANGE OF CIRCUMSTANCE FO INCREASE OF INSPECTION FEE |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132640 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Testing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of the loan becoming an ARM. | Disclosure dated XXXX. Change of Circumstance for change of terms dated XXXX. | Reviewer Comment (2026-06-29): Received earlier dated
disclosure Seller Comment (2026-06-29): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132263 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Most recent tax returns are missing. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132263 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Equity in the departure residence must be documented with a 2055 exterior appraisal or full appraisal. CDA was provided. | Reviewer Comment (2026-06-30): Received departing
residence appraisal Seller Comment (2026-06-30): Comment from XXXX (XXXX): Review for XXXX property |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132231 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy coverage amount $XXXX. | Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130118 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for less than two years of self employment. Comps - excellent credit, minimal debt, low DTI, plenty of reserves | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-26): Lender exception
approved |
06/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000131002 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Clearing based on review
coming back within tolerances. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129461 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Wet State. HOI Effective date is after Note date. | Reviewer Comment (2026-06-30): Updated policy received Seller Comment (2026-06-30): Comment from XXXX (XXXX): please see attached |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130491 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal is Subject to Completion, and we do not have 442 Images in file. | Reviewer Comment (2026-06-30): Received, Clearing. Seller Comment (2026-06-29): Comment from Purchasing Team (XXXX): The attached Appraisal shows AS-IS |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | B | B | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130491 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | A | A | B | B | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130491 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | A | A | B | B | C | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131996 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000130501 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift Letter is missing for $XXXX. | Reviewer Comment (2026-06-30): Received Gift Letter.
Exception cleared. Seller Comment (2026-06-29): Comment from Purchasing Team (XXXX): $XXXX GIFT LETTER |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130501 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift Letter is missing for $XXXX.as listed on Final CD | Reviewer Comment (2026-07-01): Associated Gift Letter,
Exception cleared. Seller Comment (2026-07-01): Comment from Purchasing Team (XXXX): I apologize, I submitted the gift letter without the wire confirmation because there was a separate condition for it and the wire confirmation was requested. Reviewer Comment (2026-06-30): Gift letter received. Wire confirmation is required and has not yet been received. Exception remains. Seller Comment (2026-06-29): Comment from Purchasing Team (XXXX): $XXXX Gift Letter |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130501 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Receipt of Funds is missing for gift funds totaling $XXXX. | Reviewer Comment (2026-07-01): Received Wire confirmation.
Exception cleared. Seller Comment (2026-07-01): Comment from Purchasing Team (XXXX): Please see attached verification that escrow received the gift funds. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129618 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130755 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-10): CDA provided. Cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): attached CDA Reviewer Comment (2026-06-30): Per guidelines, All appraisals require a Collateral Desktop Analysis from XXXX. Seller Comment (2026-06-30): Comment from XXXX (XXXX): Secondary Valuation Summary |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000130838 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing of $XXXX are less than cash from borrower $XXXX. Current XXXX account statements are missing. | Reviewer Comment (2026-07-01): Additional Bank Account
Statements provided. Cleared. Seller Comment (2026-07-01): Comment from Purchasing Team (XXXX): XXXX account statement attached. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130838 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130838 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-07-01): Additional Bank Statement
account provided. Cleared. Buyer Comment (2026-07-01): Comment from Purchasing Team (XXXX): Bank Statements - XXXX XXXX was uploaded to 1st condition under misc docs. Please let me know if you require the same document to be uploaded multiple times (in each condition). |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130838 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): 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 (2026-07-01): Additional asset statements
provided. Cleared. Buyer Comment (2026-07-01): Comment from Purchasing Team (XXXX): Bank Statements - XXXX XXXX was uploaded to 1st condition under misc docs. Please let me know if you require the same document to be uploaded multiple times (in each condition). |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130838 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to repay due to short funds to close. | Reviewer Comment (2026-07-01): Additional asset statements
provided. Cleared. Buyer Comment (2026-07-01): Comment from Purchasing Team (XXXX): Bank Statements - XXXX XXXX was uploaded to 1st condition under misc docs. Please let me know if you require the same document to be uploaded multiple times (in each condition). |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129917 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 Document is missing. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131827 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130151 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-02): Cleared based on review
coming back within tolerances |
07/02/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000130421 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement for the business XXXX. | Reviewer Comment (2026-07-06): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-06): Comment from XXXX (XXXX): All pgs of OA Reviewer Comment (2026-07-02): Need the full Operating Agreement for the borrowing entity Seller Comment (2026-07-02): Comment from XXXX (XXXX): Upload OA |
07/06/2026 | 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 | ||||||||||||||
| XXXXX | 4000130421 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Reviewer Comment (2026-07-01): Received Occupancy
Certificate. Exception cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Non owner occupancy doc |
07/01/2026 | 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 | |||||||||||||||
| XXXXX | 4000131596 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification number is missing. | Reviewer Comment (2026-07-08): Received, Clearing. Seller Comment (2026-07-08): Comment from XXXX (XXXX): EIN attached Reviewer Comment (2026-07-08): Employer Identification Number (EIN) not received. Exception remains. Seller Comment (2026-07-08): Comment from XXXX (XXXX): EIN number provided Reviewer Comment (2026-07-06): Looking for the federal tax ID. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Employer ID |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131262 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131231 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject property is zoned as rural agriculture - suburban property. Guidelines state properties zoned agriculture will be considered on a case-by-case basis. Subject property is a XXXX-acre property with a horse stable. Does not appear to be used for any farming or agricultural purposes. Lender exception approved. FICO XXXX, XXXX in residual income. Below XXXX DTI. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-08): Client elects to
waive/regrade with compensating factors. |
07/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000131231 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131231 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-07-23): XXXX received Post CD and
LOX. Seller Comment (2026-07-22): Comment from XXXX (XXXX): See attached Reviewer Comment (2026-07-16): XXXX received PCCD, however we also require LOE which accompanied the PCCD to finalize. Also, please provide attestation confirming whether lender or title 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. Seller Comment (2026-07-14): Comment from XXXX (XXXX): The pest inspection fee was inadvertently mislabeled. The fee for the inspection is $XXXX as indicated on the attached 'XXXX' document. The invoice is for the remediation of the pests rather than for the inspection. The attached revised final CD, 'Closing Disclosure - XXXX', has been corrected by removing the inspection fee and reallocating the termite work to section H as "Pest Repair to XXXX". |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 6000103769 | XXXXX | XXXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2025-12-03): Received Condo Review Form.
Exception Cleared. Buyer Comment (2025-12-01): Condo project approval |
12/03/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130208 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor check was not found in file for Gift Funds totaling $XXXX. | Reviewer Comment (2026-07-10): Excluded Gift Funds from
assets. Cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): Please remove/delete the gift letter you received. The borrower was initially getting a gift but did not need it. We inadvertently left the gift letter in the file. Please find revised 1003 and 1008 - borrower had sufficient funds without the gift. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128722 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Client elects to waive with
compensating factors - DSCR purchase transaction w/25% down payment, XXXX
FICO, XXXX DSCR ratio and XXXX months reserves Seller Comment (2026-07-21): Comment from XXXX (XXXX): exception form with approval. please proceed thank you Seller Comment (2026-07-21): Comment from XXXX (XXXX): Exception approved. please proceed. thank you Reviewer Comment (2026-07-18): Exceptions must be requested from the buyers portal. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Thank you |
07/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000128722 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for flip property. Seller inherited the property less than 1 year ago and it was not listed on MLS. Comp factors: FICO XXXX, XXXX DSCR, and XXXX months reserves. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-07-08): Client elects to
waive/regrade with compensating factors. |
07/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130529 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2026-07-13): Non-QM Seller Comment (2026-07-11): Comment from XXXX (XXXX): • XXXX is requesting that we waive the above condition. Based on the Best Efforts XXXX program, the assets statements must be dated no more than 120 days prior to the note date. The assets ending document date is XXXX and the note date is XXXX; this is a total of 91 days. The assets are within guidelines requirements, please see snippet below. |
07/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131093 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129538 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000129538 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129538 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132885 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file is missing a copy of the security instrument. | Reviewer Comment (2026-07-12): Received Security
Instrument. Exception cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): Please see MTG |
07/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131547 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130789 | XXXXX | XXXXX | 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 Title - Courier / Express Mail / Messenger Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130789 | XXXXX | XXXXX | 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 Title - Wire /Funding/ Disbursement Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130789 | XXXXX | XXXXX | 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130566 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing | Reviewer Comment (2026-07-19): Received Prepayment Note
Addendum. Exception cleared. Seller Comment (2026-07-17): Comment from XXXX (XXXX): prepayment |
07/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000132953 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-07-17): Received, cleared Seller Comment (2026-07-17): Comment from XXXX (XXXX): HOI |
07/17/2026 | 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 | ||||||||||||||
| XXXXX | 4000132953 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Recent Certificate of Good Standing is not in file. | Reviewer Comment (2026-07-17): Received, cleared Seller Comment (2026-07-17): Comment from XXXX (XXXX): Cert |
07/17/2026 | 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 | ||||||||||||||
| XXXXX | 4000132097 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-20): Accepted as is per
client. |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000132097 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for Rate and Term Refinance and Subject was listed for sale in the last 6 months. All units are occupied with long-term tenants. Compensating Factors include DSCR is XXXX and FICO is XXXX, 7 months reserves, and XXXX% LTV. | The qualifying DSCR on the loan is greater than the
guideline minimum. The representative FICO score exceeds the guideline minimum by XX points. |
The DSCR of XXXX is greater than the minimum required DSCR
of 1.00 The representative FICO score XXXX |
SitusAMC SitusAMC |
Reviewer Comment (2026-07-20): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
07/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000130595 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The operating agreement is not signed, provide signed operating agreement. | Reviewer Comment (2026-07-27): Provided. Cleared. Buyer Comment (2026-07-27): Comment from XXXX (XXXX): can you provide more information as to what you are needing and why? Reviewer Comment (2026-07-24): As guidelines require an exception from the buyer of the loan is required. Seller Comment (2026-07-24): Comment from XXXX (XXXX): see attached |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133186 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-23): Clearing based on review
coming back within tolerances. |
07/23/2026 | 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 | |||||||||||||||
| XXXXX | 4000133186 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing page 3 of the security instrument | Reviewer Comment (2026-07-28): XXXX provided. Cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX): Please see attached recorded mortgage with page 3. |
07/28/2026 | 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 | ||||||||||||||
| XXXXX | 6000132066 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Updated as per the document; however, no additional coverage amount is needed. | Reviewer Comment (2026-07-07): Received XXXX from XXXX
statement with balance of $XXXX. Exception cleared. Buyer Comment (2026-07-02): Please see XXXX XXXX acct statement attached. Thank you. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132074 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The provided title commitment is not covering the loan amount. However, new title is required. | Reviewer Comment (2026-07-10): Received Title Commitment.
Exception Cleared. Buyer Comment (2026-07-08): PFA document. |
07/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132074 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The provided policy is not covering the loan amount. Additional coverage is required in the file. | Reviewer Comment (2026-07-10): Received Replacement Cost
Estimator. Exception Cleared. Buyer Comment (2026-07-08): D0209 RCE Buyer Comment (2026-07-08): PFA document. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132022 | XXXXX | XXXXX | 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 ___. | Loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The qualifying DSCR on the loan is greater than the guideline minimum. |
The DSCR of XXXX is greater than the minimum required DSCR of 1.00. | SitusAMC SitusAMC,Originator |
Reviewer Comment (2026-07-10): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-07-08): exception |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXX | 6000132051 | XXXXX | XXXXX | 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 (2026-07-15): Final title received. |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132051 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient, not covering the loan amount. | Reviewer Comment (2026-07-13): Received the Homeowners
Insurance (HOI) policy with sufficient coverage amount. Exception cleared. Buyer Comment (2026-07-09): HOI |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000132051 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. | Reviewer Comment (2026-07-15): Final title received
reflecting no additional liens. Buyer Comment (2026-07-14): Final Title |
07/15/2026 | 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 | ||||||||||||||
| XXXXX | 6000132051 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Required for XXXX. | Reviewer Comment (2026-07-13): Received Certificate of
Good Standing for XXXX. Exception cleared. Buyer Comment (2026-07-09): COGS |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000132051 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provide verification the borrowers have signing authority. Document is required to be signed by all owners. | Reviewer Comment (2026-07-13): Received the Borrower
Certification signed by all owners. Exception cleared. Buyer Comment (2026-07-09): Borrowing cert |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000132051 | XXXXX | XXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-07-14): Received guaranty agreement
for spousal consent. Exception cleared. Buyer Comment (2026-07-10): Guaranty |
07/14/2026 | 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 | ||||||||||||||
| XXXXX | 6000132051 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | Reviewer Comment (2026-07-14): Received guaranty agreement
for spousal consent. Exception cleared. Buyer Comment (2026-07-10): see attached guaranty |
07/14/2026 | 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 | |||||||||||||||
| XXXXX | 6000132056 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing current lease for primary residence. | Reviewer Comment (2026-07-30): Received lease agreement
with pay history. Exception Cleared. Buyer Comment (2026-07-28): All rental cks with lease. Buyer Comment (2026-07-28): Last (5) mths of rental payments. Buyer Comment (2026-07-28): XXXX - rental payments. Buyer Comment (2026-07-28): (2) mths of rental payments @ $XXXX a mth. See last pg of each statement. Buyer Comment (2026-07-28): Please see (4) mths of rental payments. Cancelled ck on last pg of each statement. Rent now $XXXX mthly. Reviewer Comment (2026-07-23): Provided lease agreement was available at initial review. Lease agreement is month-to-month. Provide recent 12 months payment history. Exception remains. Buyer Comment (2026-07-21): Please see lease attached. Thank you. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131951 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-07-13): Received the OFAC
verification for the business entity. The information has been reviewed and
verified. Exception cleared. Buyer Comment (2026-07-09): ofac |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000131951 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final closing statement signed by all parties; the provided closing statement was not signed by the settlement agent. | Reviewer Comment (2026-07-13): Settlement Statement
received with signatures from all parties, including the settlement agent.
Exception cleared. Buyer Comment (2026-07-09): Final SS |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000131951 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines, personal guaranties are required from the authorized signor(s) who are borrowers on the loan, along with any individual with XXXX% or greater ownership in the business entity. | Reviewer Comment (2026-07-13): Received the Borrowing
Authorization Consent Form. The document has been reviewed and verified.
Exception cleared. Buyer Comment (2026-07-09): signing authority |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000131945 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified Assets for Closing of $XXXX is less than cash required from borrower of $XXXX | Reviewer Comment (2026-07-13): Received the signed Final
HELOC. Cash-out proceeds have been reviewed and verified. Exception
cleared. Buyer Comment (2026-07-09): signed final cashout proceeds $XXXX from heloc used towards CTC |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131945 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | For the primary residence, provide either a 12-month pay history or a property report verifying it is owned free and clear with taxes paid current. | Reviewer Comment (2026-07-13): Received the Property
Report for the primary residence. The existing and newly opened mortgage
accounts were reviewed and confirmed, and the payment history was verified.
Exception cleared. Buyer Comment (2026-07-09): Previous mtg for $XXXX is reported as paid on the credit report. new mortgage opened on XXXX- payment was not due Buyer Comment (2026-07-09): Property profile |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131959 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing final title policy. | Reviewer Comment (2026-07-15): Received Title Final.
Exception Cleared. Buyer Comment (2026-07-13): Final Title Buyer Comment (2026-07-13): title |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131959 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | The file was missing a title report. | Reviewer Comment (2026-07-15): Received Title Final and
Commitment. Exception Cleared. Buyer Comment (2026-07-13): see attached title |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131967 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-15): Received final title
policy. Exception cleared. Buyer Comment (2026-07-13): Final Title |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131967 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-15): Received final title
policy. Exception cleared. |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131942 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | Borrower's signature page was missing in the Security Instrument. | Reviewer Comment (2026-07-13): Security Instrument
document received and verified. Exception cleared Buyer Comment (2026-07-09): Please find attached security instrument with sign page. |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000131942 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was missing in the loan file. | Reviewer Comment (2026-07-13): Certificate of Good
Standing received and verified. Exception cleared. Buyer Comment (2026-07-09): Please find attached certificate of good standing. |
07/13/2026 | 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 | ||||||||||||||
| XXXXX | 6000131935 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Borrower was marked as living rent free per the credit application but there is no document in file explaining this | Reviewer Comment (2026-07-15): Received Rent Free Letter
and UW Discretion. Exception Cleared. Buyer Comment (2026-07-13): uw discretion Buyer Comment (2026-07-13): rent free loe |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131934 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Reviewer Comment (2026-07-15): Received pay history for
primary residence second mortgage. Exception cleared. Buyer Comment (2026-07-14): electronic pay history Buyer Comment (2026-07-14): mtg Buyer Comment (2026-07-13): D0169 reports the mtg XXXX Mtg #XXXX |
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 | N/A | No | |||||||||||||||
| XXXXX | 6000131938 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-15): Received final title
policy. Exception cleared. |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131938 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-15): Received final title policy
with policy amount. Exception cleared. Buyer Comment (2026-07-13): Final Title |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000132020 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-17): Received Title Supplemental
Report. Exception Cleared. Buyer Comment (2026-07-15): Please see attached Supplemental Report |
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 | |||||||||||||||
| XXXXX | 6000132012 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final closing statement; an estimated statement was provided. | Reviewer Comment (2026-07-14): Received final closing
statement. Exception cleared. Buyer Comment (2026-07-10): Please see attached Master Settlement Statement |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132012 | XXXXX | XXXXX | 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 ___. | First-time investor requires 12 months of reserves. | Reviewer Comment (2026-07-20): No new document received.
Per product matrix, first time homebuyer should not have any housing late
payments in recent 12 months and reserves are not required for loan amount
<$XXXX. Exception cleared. Buyer Comment (2026-07-16): Please note per XXXX guidelines for loan amounts under $XXXX no reserves required. Thank you. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 6000132012 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing housing history or evidence of housing payments for the last 12 months via bank statements, canceled checks, or payment ledger. | Reviewer Comment (2026-07-24): Borrower is a foreign
national. Exception cleared. Buyer Comment (2026-07-22): Please note XXXX per XXXX guidelines we do not obtain primary housing histories on the XXXX loan products. Thank you. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131944 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-07-15): Received Employment
Authorization card. Exception cleared. Buyer Comment (2026-07-13): EAD Card |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000132063 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Reviewer Comment (2026-07-16): Received credit
supplemental report along with property profile for primary residence. Per
profile, mortgage was originated in XXXX which reflecting on credit report
with 6 months reviewed. Prior lien was released on XXXX. Exception
cleared. Buyer Comment (2026-07-14): Property profile Buyer Comment (2026-07-14): credit supplement |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000132036 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | All judgments and liens must be paid in full at or prior to closing. | Reviewer Comment (2026-07-15): Received judgment is
satisfied. Exception cleared. Buyer Comment (2026-07-13): satisfied |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| XXXXX | 6000132036 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Collections with balances greater than or equal to $XXXX required to be paid prior to or at closing. | Reviewer Comment (2026-07-29): Available reserves are
greater than the required collection amount. Exception cleared. Buyer Comment (2026-07-27): per credit report, collection is disputed; Current disputed accounts are excluded from the limit calculation as noted in the Collections and Charge-Offs section of this guide, if the borrower(s) meets minimum reserve requirements and has additional seasoned reserves (no gifts or cash out allowed to satisfy the requirement) totaling amount of disputed accounts (total Minimum Reserves + Disputed Account Balance(s). Buyer Comment (2026-07-27): POC $XXXX cleared the Borrower's account. |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| XXXXX | 6000131957 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Provide a rent free letter. | Reviewer Comment (2026-07-18): Borrower has documented 12
month history on additional REO which meets guidelines. Reviewer Comment (2026-07-17): Per guideline, UW discretion and a detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame is required. Exception Remains. Buyer Comment (2026-07-15): We do not have a rent free letter; Borrower meets housing guidelines Documented 12-month payment history on other real estate owned, plus proof of ownership. (not eligible for First time investor) |
07/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131956 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Signed copy of the Certificate of Non-Owner Occupied disclosure does not show the borrower's principal address. | Reviewer Comment (2026-07-17): Received Certificate of
Non-Owner Occupancy with primary residence address. Exception cleared. Buyer Comment (2026-07-15): Non-Owner |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132076 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Provide a Hazard Insurance document active at the time of closing. The provided document has a future effective date of XXXX. | Reviewer Comment (2026-07-14): Received Hazard Insurance
policy active at the time of Closing. Exception cleared. Buyer Comment (2026-07-10): PFA |
07/14/2026 | 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 | ||||||||||||||
| XXXXX | 6000132081 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing Document missing in loan file. | Reviewer Comment (2026-07-20): No new document received.
Borrowing business entity was formed on XXXX which is within 12 months of the
Note. Exception cleared. Buyer Comment (2026-07-16): Per XXXX guidelines a cert of good standing is not required for any business formed in the past 12mths. LLC in this case just started in XXXX. Thank you. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132098 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount | Reviewer Comment (2026-07-17): Received replacement cost
estimator. Exception cleared. Buyer Comment (2026-07-15): RCE Reviewer Comment (2026-07-14): HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains. Buyer Comment (2026-07-10): Please Refer doc ID D0183 there is mentioned Roof loss Settlement Replacement cost. |
07/17/2026 | 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 | ||||||||||||||
| XXXXX | 6000132024 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final closing statement signed by all parties. Provided closing statement was not signed by escrow agent. | Reviewer Comment (2026-07-17): Received closing statement
signed by all parties. Exception Cleared. Buyer Comment (2026-07-15): final SS |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132117 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Complete title is missing. Only page 1 of the title is provided. | Reviewer Comment (2026-07-14): Final Title Policy Received
and veriifed. Exception cleared. Buyer Comment (2026-07-10): Please find attached. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132117 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-07-14): Final Title Policy Received
and verified. Exception cleared. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131994 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Reviewer Comment (2026-07-20): Per property history report
mortgage on subject property originated on XXXX and first payment due is on
XXXX. Received mortgage statement for the XXXX. Exception Cleared. Buyer Comment (2026-07-16): Please see attached Reviewer Comment (2026-07-15): Provided Mortgage statement was already in file at the time of Initial Review. Required Verification of Mortgage (VOM) for the subject property as Property History Report reflects open mortgage on Subject Property. Exception Remains. Buyer Comment (2026-07-12): Please see attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131990 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Provided title policy is not covering the loan amount, however, a new title policy is required in the file. | Reviewer Comment (2026-07-15): Received title policy with
policy amount of $XXXX. Exception cleared. Buyer Comment (2026-07-13): PFA as requested |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131990 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Reviewer Comment (2026-07-15): Received XXXX mortgage
statement for primary residence with due date of XXXX. First mortgage was
originated on XXXX with XXXX which was transferred to another lender. Till
XXXX, payment was noted on credit report and received XXXX mortgage
statement. Exception cleared. Buyer Comment (2026-07-13): Please review credit report D 0178 in that review rocket mortgage history available up to XXXX month and please find attached XXXX month statement |
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 | N/A | No | |||||||||||||||
| XXXXX | 6000132136 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Provide a full 12 month housing history for the primary residence. VOR only covers 7 months. | Reviewer Comment (2026-07-17): Received letter of
explanation for living rent free for previous primary residence
"XXXX". Exception cleared. Buyer Comment (2026-07-15): loe rent free |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132071 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Provide verification of the XXXX & XXXX payment for the subject property. | Reviewer Comment (2026-07-17): Received payment
confirmation for XXXX from XXXX for the subject property. The details were
verified and updated. Exception Cleared. Buyer Comment (2026-07-15): XXXX was transferred to XXXX |
07/17/2026 | 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 | ||||||||||||||
| XXXXX | 6000132048 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. | Reviewer Comment (2026-07-17): Received Articles of
Incorporation document. Exception Cleared. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132048 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided | Reviewer Comment (2026-07-17): Received Articles of
Incorporation document. Exception Cleared. Buyer Comment (2026-07-15): certificate of inc |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131912 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final closing statement signed by all parties, provided closing statement was not signed by settlement agent. | Reviewer Comment (2026-07-17): Received Final Closing
Statement with settlement agent signature. Exception cleared. Buyer Comment (2026-07-15): Final SS |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132023 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | For the primary residence, provide either a 12 month pay history or a property report verifying it is owned free and clear with taxes paid current. | Reviewer Comment (2026-07-17): Received Property Report
and Tax Certificate confirming the property is owned free and clear and
property taxes are current. Exception cleared. Buyer Comment (2026-07-15): taxes paid Buyer Comment (2026-07-15): Property profile owned free and clear |
07/17/2026 | 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 | ||||||||||||||
| XXXXX | 6000132023 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Appraisal Invoice not provided | Reviewer Comment (2026-07-17): Received Appraisal Invoice.
Exception cleared. Buyer Comment (2026-07-15): appraisal invoice |
07/17/2026 | 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 | |||||||||||||||
| XXXXX | 6000131909 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing final signed and dated HUD-1/Settlement Statement. Closing agent signature missing. | Reviewer Comment (2026-07-29): Received closing statement
with true & certify stamp. Exception cleared. Buyer Comment (2026-07-27): PFA as requested Reviewer Comment (2026-07-24): Received copy not signed by seller. Provide one single closing statement signed by all the parties or stamped true & correct with escrow agent signature. Exception Remains Buyer Comment (2026-07-22): PFA Reviewer Comment (2026-07-20): Provide one single closing statement signed by all the parties or stamped true & correct with escrow agent signature. Exception Remains Buyer Comment (2026-07-16): Please review D0133 it is the same statement signed by Seller no fees have been changed Reviewer Comment (2026-07-16): Received final closing statement which is not signed by seller. Require final closing statement / HUD-1 signed by all the parties or stamped true & correct with escrow agent signature. Exception remains. Buyer Comment (2026-07-14): Please find attached as requested |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131909 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for LTV. Compensating factors: Reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX Guideline Requirement: 12.00 |
SitusAMC | Reviewer Comment (2026-07-10): Waived with compensating
factors per lender exception approval at origination. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXX | 6000132044 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provide verification of signing authority signed by all owners of the borrower entity. | Reviewer Comment (2026-07-16): The Operating Agreement
confirms that the guarantor possesses 100% authority to act on behalf of the
entity. Exception Cleared. Buyer Comment (2026-07-14): Please find attached snip of operating agreement showing authority to act individually and representing members of the firm for mortgage. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131899 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-16): Received Title supplemental
Report.Exception Cleared. Buyer Comment (2026-07-14): Please find attached title supplement with coverage amount. |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131899 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Preliminary does not state a coverage amount. | Reviewer Comment (2026-07-16): Received Title supplemental
report. Exception Cleared. |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131899 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final closing statement signed by all parties. Provided closing statement is not signed by borower. | Reviewer Comment (2026-07-16): Received final closing
statement. Exception cleared. Buyer Comment (2026-07-14): Please find attached final closing statement. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131971 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Guidelines require at least 30 days of assets. Statement covers dates XXXX-XXXX. | Reviewer Comment (2026-07-17): Received Bank Statement
satisfies Guideline requirement. Exception cleared. Buyer Comment (2026-07-15): account was opened on XXXX. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131983 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax Certificate is missing for 2026; however, tax amount is considered from the final closing statement. Please provide updated tax certificate for the same. | The representative FICO score exceeds the guideline minimum
by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Guidelines Representative FICO: 700 Representative FICO: XXXX Reserves: XXXX Guideline Requirement: 0.00 |
Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-07-30): Waived with compensating
factors per lender approved exception. Buyer Comment (2026-07-30): PFA exception document. Reviewer Comment (2026-07-29): Provide tax cert reflecting amount $XXXX. Exception remains Buyer Comment (2026-07-26): Please see attached Reviewer Comment (2026-07-16): Per final closing statement, total annual tax is $XXXX and per received tax certificate, total tax annual is $XXXX. Provided tax certificate was available at initial review. Require revised tax certificate of clarification on taxes. Exception remains. Buyer Comment (2026-07-14): Please see attached |
07/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000131983 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Provide a pay history for the subject property. | Reviewer Comment (2026-07-21): Receive Verification of
Mortgage for subject property. Exception cleared. Buyer Comment (2026-07-17): VOM from XXXX for Subject Reviewer Comment (2026-07-16): Received payoff statement for the subject property. Require 12 months pay history for the subject property. Exception remains. Buyer Comment (2026-07-14): Please see attached |
07/21/2026 | 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 | ||||||||||||||
| XXXXX | 6000132038 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-07-16): Received Certificate of
Good Standing. Exception Cleared. Buyer Comment (2026-07-14): PFA as requested |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000132047 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | File is missing Certificate of Good Standing for the business entity dated within 90 days of the Note. | Reviewer Comment (2026-07-17): Received Certificate of
Good Standing for the business entity. Exception cleared. Buyer Comment (2026-07-15): COGS |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131926 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. | Reviewer Comment (2026-07-17): Received Non-Owner
Occupancy document with the principal residence address. Exception
cleared. Buyer Comment (2026-07-15): Non-Owner |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132128 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing complete 12 month housing payment history for primary residence. | Borrower has owned the subject property for at least 5
years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: XXXX Guideline Requirement: 0.00 Guidelines Representative FICO: 640 Representative FICO: XXXX The DSCR of XXXX is greater than the minimum required DSCR of 1.00. |
SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC,Originator |
Reviewer Comment (2026-07-23): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-07-21): Please see attached Reviewer Comment (2026-07-20): Lender exception received; however, FICO comp factor is incorrect. Please update to correct FICO and resubmit for review. Buyer Comment (2026-07-16): Please see attached |
07/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000132103 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-07-17): Received OFAC for the
borrowing entity. Exception cleared. Buyer Comment (2026-07-15): PFA |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132133 | XXXXX | XXXXX | 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): Received final title policy
with no additional liens or mortgage noted. Exception cleared. |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000132133 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There are 2 liens on title and only 1 was paid at closing. Provide verification all liens on title have been satisfied and released. | Reviewer Comment (2026-07-20): Received final title policy
with no additional liens or mortgage noted. Exception cleared. Buyer Comment (2026-07-16): Final Title |
07/20/2026 | 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 | ||||||||||||||
| XXXXX | 6000132137 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-17): Received final title.
Exception cleared |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000132137 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title reflects a lien on the subject property in the amount of $XXXX, and no lien was paid on the final closing statement. Additional conditions may apply. | Reviewer Comment (2026-07-17): Received final title policy
clear of all liens and mortgages. Exception cleared. Buyer Comment (2026-07-15): Please see attached |
07/17/2026 | 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 | ||||||||||||||
| XXXXX | 6000132037 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Lender to provide credit report within 90 days prior to note date. | Reviewer Comment (2026-07-20): Credit report ordered date
XXXX is within 120 days for the Note date. Exception Cleared. Buyer Comment (2026-07-16): Please note that the credit report was "Re-issued" on XXXX. Please advise why that is not sufficient. Thank you. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 6000132043 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Credit Application is missing in loan file. | Reviewer Comment (2026-07-30): Credit application
received Buyer Comment (2026-07-29): Please see attached Reviewer Comment (2026-07-24): Provided credit application is not signed by the borrower. Exception remains Buyer Comment (2026-07-22): Please see attached Reviewer Comment (2026-07-21): Received unsigned copy of credit application. Require signed credit application. Exception remains. Buyer Comment (2026-07-17): Please see attached |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132043 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | DSCR used market rent $XXXX/PITIA of $XXXX (P&I $XXXX + Taxes $XXXX + HOI $XXXX + HOA $XXXX) = XXXX. | Reviewer Comment (2026-07-21): Received lease agreement
with bank statement to support receipt of security deposit and first month
rent. Exception cleared. Buyer Comment (2026-07-20): Please see attached to support that borrowers had a tenant in place for subject and received 1st month rent and security deposit. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132122 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | Missing for the business entity. | Reviewer Comment (2026-07-21): Received OFAC for Business
Entity. Exception Cleared. Buyer Comment (2026-07-17): Please see clear LLC. OFAC attached. Thank you. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131907 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for trust entity. | Reviewer Comment (2026-07-21): Received OFAC for Business
Entity. Exception Cleared. Buyer Comment (2026-07-17): Please see attached |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132135 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-07-24): Received OFAC for the
borrowing entity. Exception Cleared. Buyer Comment (2026-07-22): PFA |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000132113 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-29): CDFI lender testing ATR. |
05/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Second Home | Purchase | C | B | C | B | A | A | B | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132113 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Reviewer Comment (2026-06-16): Transfer letter received Buyer Comment (2026-06-12): appraisal transfer letter Reviewer Comment (2026-06-05): Transfer letter provided does not meet guideline requirements. Buyer Comment (2026-06-04): transfer letter |
06/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Second Home | Purchase | C | B | C | B | A | A | B | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132113 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for borrower not meeting minimum 12-month 1099 history. Compensating factors: FICO and LTV. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Documentation Type: 1yr 1099 Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 Guidelines Representative FICO: 660 Representative FICO: XXXX |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-05): Waived with compensating
factors per lender exception approval. Buyer Comment (2026-06-03): exception |
06/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Second Home | Purchase | C | B | C | B | A | A | B | A | Non QM | Exempt from ATR | No | ||||||||
| XXXXX | 6000131890 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2026-06-25): Received Fraud report.
Exception Cleared. Buyer Comment (2026-06-23): see attached |
06/25/2026 | 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 | |||||||||||
| XXXXX | 6000131890 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | File is missing Fraud Report. | Reviewer Comment (2026-06-25): Received Fraud report.
Exception Cleared. Buyer Comment (2026-06-23): LoanSafe report uploaded to other exception |
06/25/2026 | 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 | |||||||||||
| XXXXX | 6000131890 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide rent free letter for borrower along with evidence of an LLPA for rent free. Borrower has no housing history. Borrower is listed on title but not on the current mortgage being paid at closing. | Reviewer Comment (2026-06-25): Mortgage history for 12
months for subject property was already provided in file. Exception
Cleared. Buyer Comment (2026-06-23): See attached LOX |
06/25/2026 | 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 | |||||||||||
| XXXXX | 6000132031 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash from Borrower. Documented qualifying Assets for Closing of $XXXX is less than Cash from Borrower $XXXX. | Reviewer Comment (2026-07-17): Reserve requirement met.
Received closing statement of refinance of departure residence. Buyer Comment (2026-07-15): Please see HUD accepted by XXXX for loan #XXXX. Show's proceeds. Thank you. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132031 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-01): CDFI lender testing ATR. |
07/01/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132031 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-07-17): Reserve requirement met.
Received closing statement of refinance of departure residence. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132031 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 requirement not met. Available for Closing is insufficient to cover Cash from Borrower. Documented qualifying Assets for Closing of $XXXX is less than Cash from Borrower $XXXX. | Reviewer Comment (2026-07-17): Reserve requirement met.
Received closing statement of refinance of departure residence. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132031 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Unable to verify proceeds from refinance of $XXXX. | Reviewer Comment (2026-07-17): Reserve requirement met.
Received closing statement of refinance of departure residence. Buyer Comment (2026-07-15): Please see HUD-1 accept by XXXX from refi loan #XXXX. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132031 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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. | Reviewer Comment (2026-07-17): Reserve requirement met.
Received closing statement of refinance of departure residence. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132009 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132009 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Reason for declining escrow was provided. | Reviewer Comment (2026-07-12): LOE and PCCD provided in
trailing documents. Buyer Comment (2026-07-10): see attached corrected PCCD and LOE |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000131911 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-02): CDFI lender testing ATR |
07/02/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132111 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-06): Waived per client
direction. |
07/06/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132111 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Closing Disclosure Incomplete – Missing Fees Non-Material | Closing Disclosure dated XXXX did not have fees disclosed on page 2, Closing Disclosure dated XXXX used to source fees for testing. | Closing Disclosure provided XXXX missing page 2 | Reviewer Comment (2026-07-10): Received closing Disclosure
with 2nd Page and updated. Exception cleared Buyer Comment (2026-07-08): Please see attached Final CD |
07/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132157 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-02): CDFI lender testing ATR |
07/02/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131888 | XXXXX | XXXXX | 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 values on the initial Loan Estimate, a fee tolerance cure of up to $XXXX may be required. | Loan Estimate is missing in the file. | Reviewer Comment (2026-07-23): XXXX received initial LE Buyer Comment (2026-07-21): Uploaded LE and e-Consent. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 6000131888 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in the file. | Reviewer Comment (2026-07-23): E-sign Consent Agreement
received in file. Exception Cleared. Buyer Comment (2026-07-21): Uploaded LE and e-Consent. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 6000131888 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | Unable to determine if the borrower received Settlement Service Provider List due to missing information. | SSPL is missing | Reviewer Comment (2026-07-23): Settlement service provider
list missing in file. |
07/23/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| XXXXX | 6000131888 | XXXXX | XXXXX | 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 Origination Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX | Reviewer Comment (2026-07-28): XXXX Received Supporting
comments on the exception for increased loan origination fee along with
supporting lock document. Buyer Comment (2026-07-27): The Loan Estimate (LE) dated XXXX, which reflects a loan amount of $XXXX. The origination charge was XXXX% of the loan amount, resulting in an origination fee of $XXXX. A subsequent Change of Circumstance (COC) Loan Estimate was issued due to a change in loan terms that increased the loan amount to $XXXX. As part of that change, the origination charge was revised to XXXX%, resulting in a fee of $XXXX. Because the Change of Circumstance was triggered by a valid change in loan terms and the interest rate lock, the adjustment to the origination charge is permissible. MAVENT appropriately reset the fee tolerance baseline based on the valid COC Loan Estimate. |
07/28/2026 | No | 1 | A | A | A | A | 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 | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| XXXXX | 6000131888 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement service provider list missing in file. | Reviewer Comment (2026-07-23): SSPL not provided |
07/23/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| XXXXX | 6000132069 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | The loan was tested as exempt from ATR, therefore it was not tested under CDFI loan terms. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132033 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan is tested as exempt from ATR, and therefore is not tested under CDFI loan terms. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132097 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-13): Final title received. |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | ||||||||||||
| XXXXX | 6000132097 | XXXXX | XXXXX | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. | - | Reviewer Comment (2026-07-13): Final title received. For
judgment - XXXX - D0394 - $XXXX to be paid for release of judgment - paid off
through closing. For tax lien - XXXX,Item number 26 deleted as per title
supplement - XXXX. Buyer Comment (2026-07-09): Final Title |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132097 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Reviewer Comment (2026-07-13): Final title received. For
judgment - XXXX - D0394 - $XXXX to be paid for release of judgment - paid off
through closing. For tax lien - XXXX,Item number 26 deleted as per title
supplement - XXXX. Buyer Comment (2026-07-09): see attached final title |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132097 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Closing statement in file indicates it is an estimate. Please provide final closing statement/HUD for subject transaction. | Reviewer Comment (2026-07-10): Received final closing
statement. Exception cleared. Buyer Comment (2026-07-08): Final Settlement Statement attached |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132096 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC or lender cure was provided for the increase in 0% Tolerance Fees. | Reviewer Comment (2026-07-15): SSPL received reflecting
borrower shopped for services. Buyer Comment (2026-07-15): Attached is the SSPL |
07/15/2026 | 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 | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000132096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | List of Settlement Service Providers was not found in file. | Reviewer Comment (2026-07-15): SSPL received in trailing
documents. |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000131927 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131927 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Cure amount not provided on final Closing Disclosure. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000131978 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131978 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing 12 month housing history payment for loan being paid off at closing. | Reviewer Comment (2026-07-16): The only payment was
verified through cancelled check, exception cleared. Buyer Comment (2026-07-15): Please see cancelled check payment attached. Thank you. Buyer Comment (2026-07-15): Please see 1st payment attached. Thank you. Buyer Comment (2026-07-15): Please see 1st payment letter attached. Thank you. Buyer Comment (2026-07-14): PFA as requested Reviewer Comment (2026-07-10): As per provided first payment letter first payment due date is XXXX, please provide payment receipt for the same to clear the exception. Exception Remains. Buyer Comment (2026-07-08): Please review attached letter 1st installment will be due on June so there is no requirement of 12-month housing history payment |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131913 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132118 | XXXXX | XXXXX | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. | The property type differs between the valuations captured; the most recent appraisal indicates the property type is PUD. | Reviewer Comment (2026-07-30): Received revised appraisal.
Exception cleared. Buyer Comment (2026-07-28): PUD |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132118 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-29): Final title received. |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | Exempt from ATR | No | ||||||||||||
| XXXXX | 6000132118 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | OFAC red flag on fraud report | The OFAC for the business entity was not provided. The OFAC Report disclosed a search for the borrowing entity as XXXX; the Articles of Organization and Note disclosed the borrowing entity as XXXX. | Reviewer Comment (2026-07-21): OFAC received for borrowing
entity. Buyer Comment (2026-07-17): Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-07-15): Received fraud report is dated post closing. Exception Remains. Buyer Comment (2026-07-13): Fraud |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132118 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The document disclosing CPA Certification was not dated. | Reviewer Comment (2026-07-13): Received dated CPA
verification. Buyer Comment (2026-07-09): cpa license |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132118 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-29): Final title received. Buyer Comment (2026-07-27): Final |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | Exempt from ATR | No | ||||||||||||
| XXXXX | 6000132118 | XXXXX | XXXXX | Credit | Property - Appraisal | General 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 12 months. Please provide verification of when the listing was canceled. If listed at the time of application, please provide a letter of explanation disclosing the reason the property was listed and evidence that it was taken off the market prior to the Note date. | Reviewer Comment (2026-07-13): Received XXXX confirming
listing was removed on XXXX. Buyer Comment (2026-07-09): zillow listing |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132118 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The document disclosing CPA Certification was not dated. | Reviewer Comment (2026-07-13): Received dated CPA
verification. Buyer Comment (2026-07-09): see attached doc |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131943 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | CDFI Bank Originated Loan submitted as non-exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132021 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan is tested under exempt from ATR, due to which it is not tested under CDFI loan terms. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132032 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Non-QM designation is used to qualify due to which this exception fired. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132091 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132094 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132045 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-08): CDFI lender testing ATR |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132045 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing Verification of business within 20 business days of the Note date. | Reviewer Comment (2026-07-17): Received CPA letter within
20 business days of note. Buyer Comment (2026-07-15): cpa letter |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132045 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing TPV of the business dated within 20 business days of the Note date. | Reviewer Comment (2026-07-17): Received CPA letter within
20 business days of note. Buyer Comment (2026-07-15): see attached cpa letter |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132045 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing TPV of the business dated within 20 business days of the Note date. | Reviewer Comment (2026-07-17): Received CPA letter within
20 business days of note. Buyer Comment (2026-07-15): see attached cpa letter |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132045 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Missing TPV of the business dated within 20 business days of the Note date. | Reviewer Comment (2026-07-17): Received CPA letter within
20 business days of note. Buyer Comment (2026-07-15): see attached cpa letter |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132061 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-08): CDFI lender testing ATR |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131937 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-07): CDFI lender testing ATR. |
07/07/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131937 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Unable to verify 12 months' housing history for borrower XXXXX XXXXX primary residence. Please provide payment history, property report or a rent-free letter of explanation. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Documentation Type: 12mo Bank Statement Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 DTI: XXXX% Guideline Maximum DTI: 50.00000% |
SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-07-16): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-07-14): exception |
07/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||
| XXXXX | 6000132029 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Document provided to verify the CPA certification is not dated. | Reviewer Comment (2026-07-16): Received document which confirm Verification of the
certification of CPA, Information validated. Exception Cleared. Buyer Comment (2026-07-14): dated cpa verification |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132029 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Document provided to verify the CPA certification is not dated. | Reviewer Comment (2026-07-16): Received document which confirm Verification of the
certification of CPA, Information validated. Exception Cleared. Buyer Comment (2026-07-14): see attached docs |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Compliance | Consumer Purpose Determined On Investment Property | Loan file contains documentation that may indicate subject transaction was originated as a consumer purpose loan. Deal setting set to exclude all investment occupancy from TRID and/or QM/ATR testing as business purpose loans. Client to review and determine if loan should be tested for full Credit/Compliance. | Per final HUD-1 provided, borrower paid off multiple consumer debts. | Reviewer Comment (2026-07-23): Purchase transaction. Cash brought to closing by borrower covers
personal debts paid through transaction. Buyer Comment (2026-07-21): PFA Reviewer Comment (2026-07-13): The final HUD provided in the file reflects this borrower paid off multiple individual debts from the credit report. If these are business debts, please provide evidence of this. The debts are not in relation to any housing expense, they are consumer debts reflected on the credit report. Buyer Comment (2026-07-09): Please Re-Review as this is investment transaction as per 1003 borrower living rent free doc ID 0178, also see lender exceptions doc id 0212 borrower is first time investor and lives on Rent. This not Consumer Purpose Transaction. |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132114 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Income document is missing, requires CPA certification search report. | Reviewer Comment (2026-07-08): CDFI lender testing ATR |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | XXXXbank statement for XXXX Account #XXXX is missing. | Reviewer Comment (2026-07-16): Received XXXX month bank
statement for account #XXXX. Exception cleared. Buyer Comment (2026-07-14): April 2025 |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | XXXX bank statement for XXXX Account #XXXX is missing. | Reviewer Comment (2026-07-16): Received XXXX month bank
statement for account #XXXX. Exception cleared. Buyer Comment (2026-07-14): see attached statement |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Missing evidence that the $2,000.00 civil judgment (Case No. XXXXXXX) has been satisfied and released. | Reviewer Comment (2026-07-16): Received documentation for
the satisfaction of judgment. Exception cleared. Buyer Comment (2026-07-14): satisfaction Buyer Comment (2026-07-14): case number and docket number |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-08): CDFI lender testing ATR |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 XXXX bank statement for XXXX Account #XXXX is missing. | Reviewer Comment (2026-07-16): Received XXXX month bank
statement for account #XXXX. Exception cleared. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | The Final Closing Disclosure indicates that the loan does not include an escrow account. However, the disclosure does not specify whether this is due to the borrower declining escrow or because the lender does not offer one, as the corresponding checkbox was left unmarked. | Reviewer Comment (2026-07-20): XXXX Received Letter of
Explanation & Corrected Closing Disclosure. Buyer Comment (2026-07-17): PFA |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA Certification is not dated. | Reviewer Comment (2026-07-16): Received Verification of
CPA with date. Exception cleared. Buyer Comment (2026-07-14): dated verification |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132002 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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 Certification is not dated. | Reviewer Comment (2026-07-16): Received Verification of
CPA with date. Exception cleared. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132015 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-08): CDFI lender testing ATR. |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132100 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-10): CDFI lender testing ATR |
07/10/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132039 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation discrepancy due to missing verification that the donor gave the closing agent the gift funds and CPA verification. | Reviewer Comment (2026-07-10): CDFI lender testing ATR |
07/10/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132039 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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 verification that the donor gave the closing agent the gift funds and CPA verification. | Reviewer Comment (2026-07-17): Received CPA verification.
Exception cleared. Buyer Comment (2026-07-15): see attached docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132039 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing verification that the donor gave the closing agent the gift funds. | Reviewer Comment (2026-07-17): Received wire confirmation.
Exception cleared. Buyer Comment (2026-07-15): gift wire |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132039 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | File is missing verification that the donor gave the closing agent the gift funds. | Reviewer Comment (2026-07-17): Received wire confirmation.
Exception cleared. Buyer Comment (2026-07-15): see attached gift wire |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132039 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing CPA verification. | Reviewer Comment (2026-07-17): Received CPA verification.
Exception cleared. Buyer Comment (2026-07-15): ptin |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132039 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 verification that the donor gave the closing agent the gift funds and CPA verification. | Reviewer Comment (2026-07-17): Received CPA verification
and wire confirmation. Exception cleared. Buyer Comment (2026-07-15): see attached docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132039 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing CPA verification. | Reviewer Comment (2026-07-17): Received CPA verification.
Exception cleared. Buyer Comment (2026-07-15): see attached ptin |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131916 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Please provide document to verify non-US citizenship status. | Reviewer Comment (2026-07-30): Received permanent resident
card. Exception cleared. Buyer Comment (2026-07-28): Please find attached. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131916 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Please provide evidence that the tax liens were settled or released. | Reviewer Comment (2026-07-30): Waived per lender
exception. Reviewer Comment (2026-07-30): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Credit Report: Original // Public Record Type: Tax Liens / Balance: XXXX, Credit Report: Original // Public Record Type: Tax Liens / Balance: XXXX, Credit Report: Original // Public Record Type: Tax Liens / Balance: XXXX Buyer Comment (2026-07-28): Please find attached. |
07/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131897 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation discrepancy due to missing verification of hazard insurance on the primary residence. | Reviewer Comment (2026-07-08): Waived in error. Reviewer Comment (2026-07-08): CDFI lender testing ATR. |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131897 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | File is missing verification of hazard insurance for primary residence. | Reviewer Comment (2026-07-17): HOI for primary residence
received in trailing documents. Buyer Comment (2026-07-15): see attached docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131897 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing verification of hazard insurance on the primary residence. | Reviewer Comment (2026-07-17): HOI for primary residence
received in trailing documents. Buyer Comment (2026-07-15): Primary Buyer Comment (2026-07-15): HOI & RCE |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131897 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 verification of hazard insurance on the primary residence. | Reviewer Comment (2026-07-17): HOI for primary residence
received in trailing documents. Buyer Comment (2026-07-15): see attached docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132129 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-14): CDFI lender testing ATR Buyer Comment (2026-07-13): Please waive. |
07/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131976 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-15): CDFI lender testing ATR Buyer Comment (2026-07-14): Please waive. |
07/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132008 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for lender credits. Final lender credit of $XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-16): XXXX:Upon review the broker
cure of $XXXX was changed to reflection under the lender cure in section J of
the final CD. Buyer Comment (2026-07-15): Please find attached the COC. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000132008 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-07-08): CDFI lender testing ATR |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132008 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | XXXX% tolerance was exceeded by $XXXX due to appraisal fee. A specific credit of $XXXX has been provided as cure at closing. | Reviewer Comment (2026-07-16): Cured at closing or within
60 days of consummation prior to TPR review Buyer Comment (2026-07-15): Please refer doc id # D0267 Cure was given at closing see page 2 of CD showing cure. |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000132008 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception for housing history. Rent paid in cash. We have VOR and lease agreement in the file. | The qualifying DTI on the loan is at least 10% less than
the guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00. |
DTI: XXXX% Guideline Maximum DTI: 50.00000% |
Originator Pre-Close,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-08): Lender approved exception
at origination with compensating factors |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||
| XXXXX | 6000132058 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132058 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-16): CDFI lender testing ATR Buyer Comment (2026-07-15): CDFI lender testing ATR. |
07/16/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131984 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-08): CDFI lender testing ATR |
07/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131984 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception for income. Need an exception to proceed with co-mingled bank statement. We have 10 months of business bank statement and 2 months of personal bank statement. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00. |
Reserves: XXXX Guideline Requirement: 3.00 Documentation Type: 12mo Bank Statement Disposable Income: $XXXX |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-07-08): Lender approved exception
with compensating factors. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||
| XXXXX | 6000131984 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing UW discretion for borrower living rent free. | Reviewer Comment (2026-07-21): UW discretion received. Buyer Comment (2026-07-17): uw discretion |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132168 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing a verbal VOE within 20 business days from the note date. | Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Documentation Type: 12mo CPA P&L Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 Guidelines Representative FICO: 720 Representative FICO: XXXX |
Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-07-20): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-07-16): Exception provided for V.VOE |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | ||||||||
| XXXXX | 6000132168 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing a verbal VOE within 20 business days from the note date. | Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Documentation Type: 12mo CPA P&L Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 Guidelines Representative FICO: 720 Representative FICO: XXXX |
Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-07-20): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-07-16): Exception provided for V.VOE |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | |||||||
| XXXXX | 6000132132 | XXXXX | XXXXX | 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 received. |
07/20/2026 | 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 | Exempt from ATR | No | ||||||||||||
| XXXXX | 6000132132 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV 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 preliminary title policy. | Reviewer Comment (2026-07-20): Final title received. Buyer Comment (2026-07-16): Final title |
07/20/2026 | 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 | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132132 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification not provided for property XXXX | Reviewer Comment (2026-07-20): document received. Buyer Comment (2026-07-16): HOA reported on attached appraisal |
07/20/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132132 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing HOA verification for property on Via XXXX. | Reviewer Comment (2026-07-20): document received. Buyer Comment (2026-07-16): see attached HOA reported on appraisal |
07/20/2026 | 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 | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132154 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-14): CDFI lender testing ATR |
07/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132110 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-14): CDFI lender testing ATR |
07/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-14): CDFI lender testing ATR |
07/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXXincorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment (2026-07-20): XXXX received Letter of
explanation and Corrected Closing disclosure. Buyer Comment (2026-07-20): Please see attached |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MN | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing Verification of 12 months mortgage verification. | Reviewer Comment (2026-07-22): Property history report
received, property is free & clear. Exception cleared. Buyer Comment (2026-07-20): Please see attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing Lease information REO XXXX used for DTI | Reviewer Comment (2026-07-22): Lease agreement received
& associated. Exception cleared. Buyer Comment (2026-07-20): Please see attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General 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 Lease information REO XXXX used for DTI | Reviewer Comment (2026-07-22): Lease agreement received
& associated. Exception cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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 Lease information REO XXXX used for DTI | Reviewer Comment (2026-07-22): Lease agreement received
& associated. Exception cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing Lease information used to calculate DTI in file. | Reviewer Comment (2026-07-22): Lease agreement received
& associated. Exception cleared. |
07/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Waterfall due to missing Lease information used to calculate DTI in file. | Reviewer Comment (2026-07-22): Lease agreement received
& associated. Exception cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing Lease information used to calculate DTI in file. | Reviewer Comment (2026-07-22): Lease agreement received
& associated. Exception cleared. |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000131966 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Lease information used to calculate DTI in file. | Reviewer Comment (2026-07-22): Lease agreement received
& associated. Exception cleared. Buyer Comment (2026-07-20): Please see attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-07-30): 442 received in trailing
documents. Buyer Comment (2026-07-30): PFA as requested Reviewer Comment (2026-07-22): Received photos for the property does not have inspection date. Exception remains. Buyer Comment (2026-07-20): Please find attached Time and Stamp photos for property |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-17): CDFI lender testing ATR |
07/17/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Escrow Account section (page 4) "will not have an escrow account" box was checked, yet there are no escrows collected in Other Costs/Section G. | Reviewer Comment (2026-07-22): XXXX received PCCD and
LOE Buyer Comment (2026-07-21): PFA as requested |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 2 months of business bank statements which are required when using personal bank statements for bank statement income program. | Reviewer Comment (2026-07-24): Per lender explanation
received in trailing documents, considered as co-mingled statements with 10%
expense factor applied. Buyer Comment (2026-07-23): Please review attached explanation |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing 2 months of business bank statements which are required when using personal bank statements for bank statement income program. | Reviewer Comment (2026-07-24): Per lender explanation
received in trailing documents, considered as co-mingled statements with 10%
expense factor applied. Buyer Comment (2026-07-23): Explanation has been provided |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing 2 months of business bank statements which are required when using personal bank statements for bank statement income program. | Reviewer Comment (2026-07-24): Per lender explanation
received in trailing documents, considered as co-mingled statements with 10%
expense factor applied. Buyer Comment (2026-07-23): Explanation has been provided |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Missing 2 months of business bank statements which are required when using personal bank statements for bank statement income program. | Reviewer Comment (2026-07-24): Per lender explanation
received in trailing documents, considered as co-mingled statements with 10%
expense factor applied. Buyer Comment (2026-07-23): Explanation has been provided |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132115 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing 2 months of business bank statements which are required when using personal bank statements for bank statement income program. | Reviewer Comment (2026-07-24): Per lender explanation
received in trailing documents, considered as co-mingled statements with 10%
expense factor applied. Buyer Comment (2026-07-23): Explanation has been provided |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132034 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Federal HPML Appraisal requirements due to loan failing one QM Points and Fees. | Reviewer Comment (2026-07-16): CDFI lender testing ATR |
07/16/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132034 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-22): Received supplemental
report & coverage amount updated. Exception cleared. Buyer Comment (2026-07-20): Please find attached. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 6000132034 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Missing CPA Certification/Proof Of License | Reviewer Comment (2026-07-29): CPA Certification document
received. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132034 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing evidence of CPA Certification/License | Reviewer Comment (2026-07-29): CPA Certification document
received. Buyer Comment (2026-07-27): Please see attached. Reviewer Comment (2026-07-22): Condition is not asking for the VVOE with the CPA. File is missing evidence the individual who completed the CPA letter is duly licensed. Buyer Comment (2026-07-20): Please find attached verification of CPA |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000132034 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing evidence of CPA License | Reviewer Comment (2026-07-29): CPA Certification document
received. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000132034 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-07-29): CPA Certification document
received. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000138885 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | All tax liens are required to be paid at or prior to closing. | Reviewer Comment (2026-07-08): Received Satisfaction of
Liens released. Exception cleared. Buyer Comment (2026-07-06): see attached Buyer Comment (2026-07-06): Document D0289 - Release of Lien for $XXXX recorded XXXX Release date was provided for $XXXX - XXXX Release date was provided for $XXXX - XXXX |
07/08/2026 | 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 | |||||||||||||
| XXXXX | 4000138777 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide a final Closing Statement fully executed by all parties or stamped true and certified. Copy provided is an estimated closing statement. | Reviewer Comment (2026-07-24): Received final closing
statement. Exception Cleared Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | 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 | ||||||||||||||
| XXXXX | 4000138774 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | Provide a mortgage statement or property report to support borrower living rent free with spouse. | Reviewer Comment (2026-07-23): Received property profile
for the primary residence with owner name as borrower's spouse. Exception
cleared. Buyer Comment (2026-07-21): PFA as requested |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138774 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The representative FICO score exceeds the guideline minimum
by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Guidelines Representative FICO: 660 Representative FICO: XXXX Reserves: XXXX Guideline Requirement: 0.00 |
Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-07-29): Waived with compensating
factors per lender approved exception. Buyer Comment (2026-07-29): Please see the attached exception approval. Reviewer Comment (2026-07-27): Document received is dated XXXX, which is more than 90 days prior to the Note date. A COGS dated within 90 days of note date is required per guidelines. Buyer Comment (2026-07-26): Cert of Good Standing Reviewer Comment (2026-07-23): Provided certificate of good standing is dated XXXX which is more than 90 days from the Note date. Require Certificate of Good Standing within 90 days from the Note. Exception remains. Buyer Comment (2026-07-21): PFA as requested |
07/29/2026 | No | 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 | ||||||||||||
| XXXXX | 4000138782 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Allow per guideline. | Reviewer Comment (2026-07-31): Received renewed hazard
policy with expiration date of XXXX. Exception cleared. Buyer Comment (2026-07-29): Please find attached renewal of insurance policy. |
07/31/2026 | 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 |