Exhibit 99.1
Schedule 2 - AMC Exception Grades Report
Exception Grades
Run Date - 9/10/2026 8:29:18 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [Redacted] | 871 | 871 | 37078693 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX Creditor did not provide a copy of each valuation to applicant XXXX business days prior to consummation. | Reviewer Comment (2025-11-14): Accepted as is. |
11/14/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Limited Cash-out GSE | C | B | A | A | C | B | A | A | N/A | No | ||||||||||||
| [Redacted] | 871 | 871 | 37078694 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final XXXX does not indicate that the property will be an Investment Property or the Final XXXXDeclarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | The appraisal indicates Owner occupied. | Reviewer Comment (2025-12-01): Updated appraisal provided. Cleared. Seller Comment (2025-12-01): Comment from XXXX (XXXX): URLA and corrected appraisal |
12/01/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Limited Cash-out GSE | C | B | A | A | C | B | A | A | N/A | No | |||||||||||
| [Redacted] | 885 | 885 | 37078695 | 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 (2026-02-02): Master insurance policy received Seller Comment (2026-02-02): Comment from XXXX (XXXX): Master policy provided that shows RCE for location [redacted] |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redacted] | 886 | 886 | 37078697 | 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 [redacted]% 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 $[redacted] | Reviewer Comment (2026-04-07): RCE, cleared Seller Comment (2026-04-07): Comment from [redacted]: Please see attached Reviewer Comment (2026-03-31): Require Replacement Cost Estimator with subject property address. Exception remains. Seller Comment (2026-03-30): Comment from [redacted]: Please see RCE |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redacted] | 932 | 932 | 37078702 | 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 [redacted] 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 (2026-03-27): Accepted as is. |
03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redacted] | 910 | 910 | 37078705 | 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 [redacted] 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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/[redacted]) | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redacted] | 955 | 955 | 37078709 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The subject address listed on the Hazard Insurance Policy is incorrect; the document reflects [redacted] instead of the correct address,[redacted]. | Reviewer Comment (2026-04-09): HOI Policy provided. Cleared. Seller Comment (2026-04-09): Comment from [redacted]: Uploaded updated HOI policy |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redacted] | 966 | 966 | 37078712 | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Exhibit A legal description is missing from the file | Reviewer Comment (2026-04-16): Legal provided. Cleared. Seller Comment (2026-04-16): Comment from [redacted]: uploaded recorded mortgage |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redacted] | 913 | 913 | 37078715 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-09): Clearing based on review coming back within tolerances. |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redacted] | 940 | 940 | 37078717 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Please provide signed copy of final 1003 application. | Reviewer Comment (2026-04-24): Received, Clearing. Seller Comment (2026-04-24): Comment from [redacted]: uploaded fully signed 1003 Reviewer Comment (2026-04-20): Final 1003 not provided for Borrower -[redacted] Mounts. Exception remains. Seller Comment (2026-04-20): Comment from [redacted]: uploaded signed 1003 document |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redacted] | 981 | 981 | 37078719 | 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 [redacted] 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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redacted] | 953 | 953 | 37078723 | 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 (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redacted] | 929 | 929 | 37078725 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Loan does not qualify for Investment Loans scope because the Valuation indicates the borrower occupies the subject property. | Reviewer Comment (2026-04-17): Appraisal with 'Tenant' occupancy, cleared Seller Comment (2026-04-17): Comment from [redacted]: uploaded requested appraisal |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Limited Cash-out GSE | C | A | A | A | C | A | A | A | N/A | No | |||||||||||
| [Redacted] | 946 | 946 | 37078729 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redacted] | 938 | 938 | 37078731 | 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 effective date. | Reviewer Comment (2026-04-28): CDA provided. Cleared. Seller Comment (2026-04-28): Comment from [redacted]: uploaded cda doc |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | A | A | A | A | C | A | N/A | No | ||||||||||||
| [Redacted] | 944 | 944 | 37078736 | 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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower, but was not found in the file. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redacted] | 956 | 956 | 37078739 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument Document not signed by borrower and Notary Page not notarized. | Reviewer Comment (2026-04-21): Security Instrument Document signed by borrower and Notary Page notarized, cleared Seller Comment (2026-04-21): Comment from [redacted]: uploaded requested document |
04/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redacted] | 975 | 975 | 37078742 | 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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redacted] | 975 | 975 | 37078743 | 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 [redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redacted] | 975 | 975 | 37078745 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-04-21): Insurance Verification, cleared Seller Comment (2026-04-21): Comment from [redacted]: uploaded requested document |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redacted] | 919 | 919 | 37078748 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for collateral guideline exception due to limited market data for the subject. Comp factors: FICO [redacted]and [redacted]months of reserves. | Borrower has been employed in the same industry for more than [redacted]years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted]years. The representative FICO score exceeds the guideline minimum by at least [redacted]points. The representative FICO score is above [redacted]. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-22): Client elects to waive/regrade with compensating factors. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | ||||||||||
| [Redacted] | 979 | 979 | 37078754 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Agreement does not have a date on the signature/notary page. | Reviewer Comment (2026-04-24): Received, exception cleared Seller Comment (2026-04-24): Comment from [redacted]: uploaded doc with date |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redacted] | 877 | 877 | 37078779 | 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 (2026-01-17): Received, Clearing. |
01/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | 877 | 877 | 37078780 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: [redacted] | Secondary Valuation is Missing. | Reviewer Comment (2026-01-22): AVM received and supports value |
01/22/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | [Redacted] | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | 877 | 877 | 37078782 | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - [redacted]Days | Reviewer Comment (2026-01-17): Received, Clearing. Reviewer Comment (2026-01-16): Valuation Received - XXXX |
01/17/2026 | No | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| [Redacted] | 877 | 877 | 37078783 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-01-22): Client elects to waive |
01/22/2026 | No | 2 | B | B | B | B | B | [Redacted] | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| [Redacted] | 903 | 903 | 37078788 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-23): Sufficient Cure Provided At Closing |
03/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 947 | 947 | 37078792 | 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 [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 947 | 947 | 37078794 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 909 | 909 | 37078795 | 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 [redacted] 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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 909 | 909 | 37078797 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted]days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | 908 | 908 | 37078800 | 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 Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 958 | 958 | 37078805 | 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 Funding Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | 958 | 958 | 37078806 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | 958 | 958 | 37078807 | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | 918 | 918 | 37078809 | 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 [redacted] 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 [redacted]business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 930 | 930 | 37078821 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | 980 | 980 | 37078824 | 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 (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 942 | 942 | 37078832 | 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 [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 952 | 952 | 37078838 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | 989 | 989 | 37078840 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | 864 | 864 | 37078855 | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Not Considered | HUD/CD reflects Temporary Buydown Amount in the amount of $[redacted]. Temporary Buydown Agreement not in file. Unable to determine if temporary buydown amount collected is sufficient per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required if amount collected does not match terms of buydown agreement. | Reviewer Comment (2025-10-29): Received, Clearing. |
10/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 864 | 864 | 37078856 | Compliance | Compliance | Federal Compliance | Compliance | Temporary Buydown Agreement Missing | Temporary Buydown Agreement Missing from File. Unable to source buydown terms from alternate documents in file. | Reviewer Comment (2025-10-29): Received, Clearing. |
10/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 865 | 865 | 37078860 | 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 [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2025-10-28): Accepted as is. |
10/28/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 865 | 865 | 37078861 | 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 Underwriting Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2025-11-04): [redacted]received comment stating initial LE were of different loan # ID. Buyer Comment (2025-11-03): LOE loan re-originated, [redacted] is initial LE. Buyer Comment (2025-11-03): Loan # is different as this loan was re-originated. Initial LE is dated [redacted]. Prior LE is not for this originated loan to [redacted]. Reviewer Comment (2025-10-31): [redacted]Underwriting fee increased on LE dated [redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. " |
11/04/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | 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 | No | |||||||||
| [Redacted] | 865 | 865 | 37078864 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted]business days and acknowledged over [redacted]business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted]business days after application. | Reviewer Comment (2025-11-05): [redacted]received e-consent dated [redacted] Buyer Comment (2025-11-04): E-Consent [redacted] |
11/05/2025 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redacted] | 865 | 865 | 37078865 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |
11/05/2025 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redacted] | 867 | 867 | 37078874 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-03): Sufficient Cure Provided At Closing |
12/03/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 867 | 867 | 37078875 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Reviewer Comment (2025-12-05): Final Settlement statement confirms [redacted] disbursement Buyer Comment (2025-12-05): Settlement statement confirms disbursement [redacted] Buyer Comment (2025-12-05): Per settlement statement, loan disbursed [redacted] |
12/05/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | 868 | 868 | 37078876 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-01-07): Received E-sign Consent Agreement. Exception cleared. |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 868 | 868 | 37078877 | 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 (2025-12-30): Accepted as is. |
12/30/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 868 | 868 | 37078880 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $[redacted]is sufficient to cover the mortgage amount of $[redacted]however, insufficient to cover the estimated cost to rebuild of $[redacted]. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. | Reviewer Comment (2026-01-07): Received Replacement Cost Estimator. Exception cleared. |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 890 | 890 | 37078886 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | CD reflects there is a PPP but it does not appear there is one. | Reviewer Comment (2026-03-02): Received, Clearing. Seller Comment (2026-03-02): Comment from [redacted](Guaranteed Rate): Please see attached. Reviewer Comment (2026-02-26): A PCCD will need to be provided reflecting no PPP. Seller Comment (2026-02-25): Comment from [redacted](Guaranteed Rate): Unfortunately, [redacted]has asked not to pursue the signing of the PPP documents post closing. Since the PPP terms were invalid at close, the argument is that having the borrower signed new PPP terms post closing is not a benefit to the borrower and therefore not allowable. Please see attached email from [redacted]. Since we will not be pursuing the signing of new PPP documents, please advise if this condition can be cleared. Additionally, it seems we would not get the benefit of the PPP LLPA on the lock confirmation since the PPP is not valid as per the closing documents. Reviewer Comment (2026-02-25): The document looks correct for the addition of a PPP. Seller Comment (2026-02-24): Comment from [redacted](Guaranteed Rate): Please confirm if the attached is approved for signatures. Reviewer Comment (2026-02-09): A new PPP needs to be signed. Buyer Comment (2026-02-09): Comment from [redacted](Guaranteed Rate): Please advise what is needed to resolve. Can we disclose changes to borrower, or does borrower need to sign new addendum? Reviewer Comment (2026-02-06): Received CD reflecting a PPP however, the PPP addendum in file does not reflect the terms Seller Comment (2026-02-06): Comment from [redacted](Guaranteed Rate): Attached Reviewer Comment (2026-02-04): Prepayment Section of CD is incomplete. Exception remains. Buyer Comment (2026-02-04): Comment from [redacted](Guaranteed Rate): Loan carries a [redacted] year term prepayment penalty Reviewer Comment (2026-01-22): Pg [redacted] of the CD under Prepayment Penalty. Buyer Comment (2026-01-21): Comment from [redacted]: Please clarify where PPP can be found on final CD. |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redacted] | 889 | 889 | 37078890 | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description provided | Reviewer Comment (2026-01-27): Received, Clearing. Seller Comment (2026-01-26): Comment from [redacted]legal description |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 866 | 866 | 37078891 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-27): Sufficient Cure Provided At Closing |
01/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 866 | 866 | 37078894 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-27): Sufficient Cure Provided At Closing |
01/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 866 | 866 | 37078896 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA is missing in file. | Reviewer Comment (2026-01-30): Received, Clearing. Buyer Comment (2026-01-29): revised 1003 with correct HOA and proof it was sent to borrower Reviewer Comment (2026-01-28): As per the document received, Annual Assessment amount is $[redacted]. However, as per Final 1003, Monthly Insurance, Taxes, HOA etc of $[redacted]is included in DTI. Please provide supporting document for the remaining amount of $[redacted] Exception remains. Buyer Comment (2026-01-27): See page [redacted] for HOA stmt. |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 893 | 893 | 37078899 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Preliminary in file. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 893 | 893 | 37078900 | 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 [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 894 | 894 | 37078903 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-29): Accepted as is. |
01/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 894 | 894 | 37078904 | 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 [redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-29): Accepted as is. |
01/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 883 | 883 | 37078908 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided | Reviewer Comment (2026-04-02): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-01): Comment from[redacted]: uploaded updated cd, loe, fedex, and check Reviewer Comment (2026-03-31): [redacted]received rebuttal and COC, however we require additional information on what additional document needs to record that increased recording fee. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-03-30): Comment from [redacted]): Per the COC [redacted] the recording required additional document recording. Due to needing additional document recording the amount was increased from $[redacted]to $[redacted]. Reviewer Comment (2026-03-29): [redacted]received COC and CD dated [redacted] which are already in file. As per LOE the recording fee was increased on initial CD from $[redacted]to $[redacted]but the reason provided is not sufficient as to what new information has received or what are the additional recording documents that are required. Please provide more information to validate the change or cure would be required. Seller Comment (2026-03-27): Comment from [redacted]): uploaded LOE, ICD, COC, and rate lock agreement documents |
04/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | 883 | 883 | 37078909 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | All pages of the appraisal are cut off at the top. Provide complete appraisal report. | Reviewer Comment (2026-03-27): Received, Clearing. Seller Comment (2026-03-27): Comment from [redacted]: uploaded requested appraisal document |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 884 | 884 | 37078910 | 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 [redacted] business days prior to consummation. | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 900 | 900 | 37078914 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | All pages of the appraisal are cut off at the top. Provide complete appraisal report. | Reviewer Comment (2026-02-04): Received, Clearing. Seller Comment (2026-02-04): Comment from [redacted]: Uploaded Requested appraisal documents |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 887 | 887 | 37078916 | 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 [redacted]) business days prior to consummation. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 888 | 888 | 37078919 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is Missing. | Reviewer Comment (2026-02-11): Received updated 1003, 1008 and Insurance Verification for property [redacted]. Exception cleared. Seller Comment (2026-02-11): Comment from [redacted]): UPDATED DOCS Reviewer Comment (2026-02-03): As per Hazard Insurance Policy received, monthly insurance is $[redacted]. However, as per Final 1003, Monthly Insurance, Taxes, HOA etc of $[redacted]is included in DTI for the property [redacted]. Monthly Taxes verified from document is $[redacted]. Please provide supporting document to verify the remaining amount of $[redacted]. Exception remains. Seller Comment (2026-02-03): Comment from Purchasing Team ([redacted]): INSURANCE |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 888 | 888 | 37078921 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Appraisal is Missing. | Reviewer Comment (2026-02-03): Received Appraisal. Exception cleared. Seller Comment (2026-02-03): Comment from Purchasing Team ([redacted].): APPRAISAL |
02/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 897 | 897 | 37078927 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Paystubs or Written Verification of Employment including Income is missing for Borrower 2. | Reviewer Comment (2026-02-09): Received Paystubs and w-2. Exception cleared. Seller Comment (2026-02-09): Comment from [redacted] (Guaranteed Rate): paystubs and W2s attached |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 897 | 897 | 37078928 | 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 t[redacted] business days prior to consummation. | [redacted] Reflects Appraisal sent [redacted]. | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 897 | 897 | 37078929 | 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. | Paystubs or Written Verification of Employment including Income is missing for Borrower 2. | Reviewer Comment (2026-02-09): Received Paystubs and w-2. Exception cleared. Seller Comment (2026-02-09): Comment from [redacted] (Guaranteed Rate): paystubs and W2s attached |
02/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | 897 | 897 | 37078930 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Paystubs or Written Verification of Employment including Income is missing for Borrower 2. | Reviewer Comment (2026-02-09): Received Paystubs and w-2. Exception cleared. Seller Comment (2026-02-09): Comment from [redacted] (Guaranteed Rate): paystubs and W2s attached |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 901 | 901 | 37078934 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-02-20): Received, Clearing. |
02/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 901 | 901 | 37078935 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Top of appraisal report pages are cut off. Please resubmit. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-20): Comment from [redacted]): Uploaded requested appraisal document |
02/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 899 | 899 | 37078942 | Compliance | Compliance | State Compliance | State Defect | [redacted] | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-03-03): Received, Clearing. Seller Comment (2026-03-03): Comment from M[redacted]): Please see attached |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 869 | 869 | 37078944 | 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 in file. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| [Redacted] | 869 | 869 | 37078945 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Statement, Tax Verification is missing in file for REO [redacted] | Reviewer Comment (2026-03-10): Received, Clearing. |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| [Redacted] | 869 | 869 | 37078946 | 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 t[redacted] business days prior to consummation. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| [Redacted] | 869 | 869 | 37078947 | 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 has been employed in the same industry for more than [redacted]years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted]years. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): Client elects to waive with compensating factors |
03/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||
| [Redacted] | 869 | 869 | 37078948 | 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 ___. | Borrower has been employed in the same industry for more than [redacted]years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted]years. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): Client elects to waive with compensating factors Buyer Comment (2026-03-16): Please advise clearing this exception that was uploaded [redacted] Reviewer Comment (2026-03-11): As per [redacted]Guidelines Max LTV allowed is [redacted]%. Exception remains. |
03/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||
| [Redacted] | 869 | 869 | 37078949 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage is short $[redacted]. | Reviewer Comment (2026-03-11): Received Replacement cost estimator. Exception cleared. |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| [Redacted] | 921 | 921 | 37078954 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Account Statements - Personal with account #[redacted] is Missing. | Reviewer Comment (2026-04-07): Received, Clearing. Seller Comment (2026-04-07): Comment from [redacted]: uploaded requested statements |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 921 | 921 | 37078955 | 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. | Account Statements - Personal with account #[redacted] is Missing. | Reviewer Comment (2026-04-07): Received, Clearing. Seller Comment (2026-04-07): Comment from [redacted]: uploaded requested statements |
04/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | 921 | 921 | 37078956 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Account Statements - Personal with account #[redacted] is Missing. | Reviewer Comment (2026-04-07): Received, Clearing. Seller Comment (2026-04-07): Comment from [redacted]: uploaded requested statements |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 921 | 921 | 37078957 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-04-07): Received, Clearing. Seller Comment (2026-04-07): Comment from [redacted]: uploaded requested statements |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 931 | 931 | 37078959 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Statement, Tax Verification are missing in file package for REO [redacted] | Reviewer Comment (2026-04-17): Received First Payment Letter confirms the PITIA amount. Exception cleared. Seller Comment (2026-04-17): Comment from [redacted]: REO property does not have a mortgage statement due to first payment not being due until [redacted]. First payment letter uploaded Reviewer Comment (2026-04-08): Mortgage Statement not provided. Seller Comment (2026-04-08): Comment from [redacted]: uploaded requested REO docs |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | ||||||||||
| [Redacted] | 905 | 905 | 37078964 | 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. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-31): Received, Clearing. Seller Comment (2026-03-31): Comment from [redacted]: uploaded title policy document |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 905 | 905 | 37078966 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 905 | 905 | 37078967 | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 968 | 968 | 37078968 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-10): Cleared based on review coming back within tolerances |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 915 | 915 | 37078975 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 915 | 915 | 37078976 | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 915 | 915 | 37078977 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 906 | 906 | 37078983 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-13): Clearing based on review coming back within tolerances. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 922 | 922 | 37078985 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Clearing based on review coming back within tolerances. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 911 | 911 | 37078988 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-27): [redacted] Received COC dated [redacted] along with supporting comments on the exception. Seller Comment (2026-04-24): Comment from [redacted]: on [redacted] pricing adjustment was added due to an exception being granted for allowing use of [redacted]year 1099 Reviewer Comment (2026-04-08): [redacted] received LOX and COC dated [redacted], but it does not give sufficient information on why the discount point fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee 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 (2026-04-07): Comment from [redacted]: uploaded LOE, ICD, COC, and Rate Lock documents |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | 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 | A | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | 911 | 911 | 37078990 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower did not payoff collection w/ Affirm for $[redacted]balance, opened [redacted]. Borrower disputed the account info and noted he had refunded the items but not rec'd credit for the return. |
Borrower has been employed in the same industry for more than [redacted]years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted]years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-06): Client elected to waive/regrade with compensating factors. Lender exception provided. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | 935 | 935 | 37078999 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification is missing for REO [redacted]. | Reviewer Comment (2026-04-16): Invoice, cleared Seller Comment (2026-04-16): Comment from [redacted]: uploaded HOA doc Reviewer Comment (2026-04-15): As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $[redacted]for the property [redacted] is included in DTI. Taxes: $[redacted]and no insurance expenses has been verified from the supporting documentation. Please provide supporting documentation for the remaining unverified amount of $[redacted]. Exception remains. Seller Comment (2026-04-14): Comment from [redacted]: uploaded requested REO document |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 943 | 943 | 37079003 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-15): [redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Seller Comment (2026-04-14): Comment from [redacted]: uploaded loe, le, coc, and rate lock documents |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | 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 | No | |||||||||
| [Redacted] | 928 | 928 | 37079009 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 973 | 973 | 37079013 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided. Exception will be revisited once all other tolerance violations are addressed. | Reviewer Comment (2026-04-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | 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 | No | |||||||||
| [Redacted] | 973 | 973 | 37079014 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee increased from $[redacted] to $[redacted]. A cure of $[redacted]was provided. | Reviewer Comment (2026-04-29): [redacted] Received Valid COC dated [redacted]. Seller Comment (2026-04-28): Comment from [redacted]: uploaded LOE, LE, COC, and Rate Lock agreement documents |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | 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 | No | |||||||||
| [Redacted] | 973 | 973 | 37079015 | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Tax Service Fee (Life Of Loan increased from $[redacted]to $[redacted]. A cure of $[redacted]was provided. | Reviewer Comment (2026-04-29): [redacted] Received Valid COC dated [redacted]. Seller Comment (2026-04-28): Comment from [redacted]: uploaded LOE, LE, COC, and Rate Lock agreement documents |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | 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 | No | |||||||||
| [Redacted] | 973 | 973 | 37079016 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-29): Sufficient Cure Provided At Closing |
04/29/2026 | No | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redacted] | 969 | 969 | 37079020 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 960 | 960 | 37079023 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 941 | 941 | 37079026 | 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 | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 933 | 933 | 37079031 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | 933 | 933 | 37079034 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 949 | 949 | 37079042 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Preliminary in file. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 950 | 950 | 37079044 | 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 [redacted]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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/[redacted]) | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 977 | 977 | 37079048 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-27): Clearing based on review coming back within tolerances. |
04/27/2026 | No | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| [Redacted] | 990 | 990 | 37079051 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing in file. | Reviewer Comment (2026-04-29): Received Fraud Report. Exception cleared. Seller Comment (2026-04-29): Comment from [redacted]: uploaded DV report Reviewer Comment (2026-04-24): Fraud Report was not received in the documents received. Seller Comment (2026-04-24): Comment from [redacted]: uploaded credit report fraud doc |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 971 | 971 | 37079057 | 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. (Type:Primary/[redacted]) | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 878 | 878 | 37079060 | 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 revised valuation to applicant [redacted] business days prior to consummation. | Appraisal was not provided at least [redacted]days prior to closing. | Reviewer Comment (2025-12-24): Acknowledgment of receipt of appraisal report received. Buyer Comment (2025-12-22): [redacted]-Please see attached acknowledgement of receipt of appraisal Buyer Comment (2025-12-22): Please see attached |
12/24/2025 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | B | A | B | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| [Redacted] | 878 | 878 | 37079061 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeded due to using [redacted]% of the IRA account balance for the asset depletion calculation per the [redacted] overlay.. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted]points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-02): Client exception received to use [redacted]% of assets. |
07/02/2026 | No | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | A | B | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| [Redacted] | 878 | 878 | 37079062 | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | A | A | A | A | A | [Redacted] | Primary | Purchase | B | B | A | B | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| [Redacted] | 874 | 874 | 37079069 | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted]Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-09): [redacted] lender testing ATR. |
01/09/2026 | No | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| [Redacted] | 896 | 896 | 37079074 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Loan approval in file does not have the correct loan amount. | Reviewer Comment (2025-09-11): Received Buyer Comment (2025-09-09): Clear to Close with the correct loan amount. |
09/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 881 | 881 | 37079077 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Sufficient Cure was not provided on file. | Reviewer Comment (2026-01-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-01-20): Attached Reviewer Comment (2026-01-12): [redacted] Received Corrected PCCD and LOE; however, copy of check not received. Provide Copy of check. Buyer Comment (2026-01-12): Please find attached the PCCD reflecting the tolerance cure of $[redacted]. Reviewer Comment (2026-01-09): [redacted] received valid COC dated [redacted] for the purchase price increase from $[redacted] to $[redacted]. However, the Transfer taxes increased on initial CD dated [redacted] instead of corresponding LE dated [redacted]. Moreover, provided [redacted] COC does not give sufficient information on reason for the fee was increased. Cure would be due to borrower. Buyer Comment (2026-01-08): Please see attached COC Reviewer Comment (2026-01-08): [redacted] received updated COC indicates that purchase price increase causing the county tax stamps increased. But there seems to be no changes in the purchase price from [redacted] LE to Final CD. If there was an additional reason the fee was increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Buyer Comment (2026-01-07): Please see attached COC. Reviewer Comment (2026-01-06): [redacted] received COC dated [redacted] which was already in file but the reason provided on COC is not a valid reason for increase in fee. The fee is mostly tied with loan amount and purchase price both are not changed from LE dated [redacted] to CD dated [redacted] on which the transfer tax was increased. Please provide information as to what changed circumstance occurred (as defined under [redacted] that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-01-06): Please see attached COC. Reviewer Comment (2025-12-31): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the transfer tax fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2025-12-30): Please see attached COC |
01/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | 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 | Exempt from ATR | No | |||||||||
| [Redacted] | 881 | 881 | 37079078 | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted]Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-17): [redacted] lender testing ATR. Buyer Comment (2026-01-16): Please waive this condition. |
01/17/2026 | No | 2 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| [Redacted] | 880 | 880 | 37079085 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-13): Sufficient Cure Provided At Closing |
01/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | 880 | 880 | 37079088 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Evidence of an LLPA and UW discretion is required for borrower a living rent free with someone other than a spouse. | Reviewer Comment (2026-01-22): Received UW discretion and lock with LLPA document. Verified and updated details. Exception Cleared. Buyer Comment (2026-01-20): Underwriting discretion and lock with LLPA. |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | 895 | 895 | 37079090 | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted]Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-14): [redacted] lender testing ATR. |
01/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| [Redacted] | 895 | 895 | 37079092 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Lender approved exception post-close to allow private VOR without evidence of [redacted]months cancelled checks and to not require the lease agreement. File contains evidence of three months' payments. | Borrower has been employed in the same industry for more than [redacted]years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted]years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted]points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-01-14): Waived with compensating factors per lender approved exception in file. |
01/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||
| [Redacted] | 992 | 992 | 37079099 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) [Redacted] Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted]Constitution Section [redacted]: Acknowledgment of the Fair Market Value not properly executed by the Lender. | Reviewer Comment (2026-03-18): Received Acknowledgement of Fair Market Value. Exception cleared Buyer Comment (2026-03-18): Fair market value Reviewer Comment (2026-03-17): Received Acknowledgment of the Fair Market Value , however the second page/notary is missing. Buyer Comment (2026-03-17): PFA Reviewer Comment (2026-03-13): Fair Market Acknowledgment Signed By Lender is not received. Exception remains. Buyer Comment (2026-03-11): Document uploaded in Credit condition Reviewer Comment (2026-03-03): Missing Fair Market Value Disclosure signed by all parties. Buyer Comment (2026-02-27): Cure document uploaded |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| [Redacted] | 992 | 992 | 37079100 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Guaranty Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-03-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-02-27): PFA as requested |
03/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| [Redacted] | 992 | 992 | 37079101 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Reviewer Comment (2026-02-17): All medical collections may remain open, other collection $[redacted] is less than the maximum balance of $[redacted] for <[redacted] months old. Buyer Comment (2026-02-13): per guidelines, all medical collections may remain open |
02/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| [Redacted] | 992 | 992 | 37079102 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing third party verification of the borrower's business dated within [redacted]business days of the Note date. The CPA letter provided is dated [redacted], which is more than [redacted]year prior to the Note date. | Reviewer Comment (2026-03-10): Updated CPA letter with signature and date received and verified. Exception cleared Buyer Comment (2026-03-06): ptin letter |
03/10/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| [Redacted] | 992 | 992 | 37079103 | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted]Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-23): [redacted] lender testing ATR. |
02/23/2026 | No | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| [Redacted] | 992 | 992 | 37079104 | 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. | File is missing third party verification of the borrower's business dated within [redacted]business days of the Note date. The CPA letter provided is dated [redacted], which is more than [redacted]year prior to the Note date. | Reviewer Comment (2026-03-11): Received CPA letter dated within [redacted]business days of Note date. Buyer Comment (2026-03-10): updated CPA letter was provided and cleared. |
03/11/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| [Redacted] | 992 | 992 | 37079105 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing third party verification of the borrower's business dated within [redacted]business days of the Note date. The CPA letter provided is dated [redacted], which is more than [redacted]year prior to the Note date. | Reviewer Comment (2026-03-11): Received CPA letter dated within [redacted]business days of Note date. Buyer Comment (2026-03-10): updated CPA letter was provided and cleared. |
03/11/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| [Redacted] | 992 | 992 | 37079107 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing third party verification of the borrower's business dated within [redacted]business days of the Note date. The CPA letter provided is dated [redacted], which is more than [redacted]year prior to the Note date. | Reviewer Comment (2026-03-11): Received CPA letter dated within [redacted] business days of Note date. Buyer Comment (2026-03-10): updated CPA letter was provided and cleared. |
03/11/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| [Redacted] | 992 | 992 | 37079108 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing third party verification of the borrower's business dated within [redacted]business days of the Note date. The CPA letter provided is dated [redacted], which is more than [redacted]year prior to the Note date. | Reviewer Comment (2026-03-10): Updated CPA letter with signature and date received and verified. Exception cleared Buyer Comment (2026-03-06): see attached doc |
03/10/2026 | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | A | D | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| [Redacted] | 879 | 879 | 37079114 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title policy amount of $[redacted]from Title commitment is less than the loan amount of $[redacted]. | Reviewer Comment (2026-01-14): Updated commitment received reflecting sufficient coverage. Buyer Comment (2026-01-14): Title attached with correct loan amount. Thank you. |
01/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| [Redacted] | 879 | 879 | 37079115 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Per final 1003, borrowers indicated they resided on [redacted]; however, per the fraud report in file this property was just purchased [redacted], which is less than [redacted]months. Please provide verification of [redacted]years' address history and [redacted]full months' mortgage history for borrowers. The credit supplement for the REO on A[redacted] months history. | Reviewer Comment (2026-03-19): Received 1003 with borrower's signed and initialed on the changes made. [redacted]months history is provided for the current property and previous property was free & clear for the past [redacted]years as per fraud report. Exception cleared. Buyer Comment (2026-03-17): Please see attached updated 1003 initialed along with the Docusign confirmation to Borrower. Thank you. Reviewer Comment (2026-03-05): Received signed 1003 application which is not initialed. Provide 1003 loan application signed and initialed. Exception remains. Buyer Comment (2026-03-03): Please see updated executed 1003 attached. Thank you. Reviewer Comment (2026-02-13): The corrected 1003 is required to be signed by the borrower and changes initialed. Provide verification of the 1003 being sent to borrower to be initialed and signed. Buyer Comment (2026-02-11): Please see attached 1003. Thank you. Buyer Comment (2026-02-11): Please see attached comments from Underwriter. Thank you. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| [Redacted] | 879 | 879 | 37079116 | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-14): [redacted] lender testing ATR. |
01/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| [Redacted] | 879 | 879 | 37079118 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded. The [redacted] change of circumstance indicates fee increased due to escrow waivers; however, the [redacted]rate lock in the file reflects the loan was locked with an escrow waiver. More than [redacted]business days elapsed between [redacted]. | Reviewer Comment (2026-01-22): [redacted] received valid COC document Buyer Comment (2026-01-21): Please see attached Reviewer Comment (2026-01-14): Received same COC as in original file. The rate lock provided, which is dated [redacted], already disclosed an escrow waiver. The COC provided, which is dated [redacted]reflected that the discount points increased for an escrow waiver. This is more than [redacted] after the rate lock dated [redacted] reflecting the loan had escrow waivers. Buyer Comment (2026-01-14): Please see attached COC |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | 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 | Exempt from ATR | No |