Exhibit 99.2
Schedule 3 - Canopy Rating Agency Grades Detail Report
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 614653 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 338723 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-12-04 23:02 | 2026-01-18 08:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 46.55 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/18/2026 Ready for Review-Bank statement and updated 1003 with assets attached. - Due Diligence Vendor-01/16/2026 Open-Audited Reserves of 0.77 are less than Guideline Required Reserves of 3 Audited Reserves of 0.77 months are less than Guideline Required Reserves of 3 months. Per post-close CD, borrower received xxx at close. Short reserves of xxx. - Due Diligence Vendor-12/05/2025 |
Resolved-Audited Reserves of 46.55 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.24 Years Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.24 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6495949 | ||||
| 276323 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-01-16 17:33 | 2026-07-15 16:44 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-Missing the second full appraisal required per xxx, as the loan amount exceeds xxx, which requires two (2) full appraisals. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. - Seller-01/20/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-01/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.28 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.13% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.08 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7146772 | |||
| 276323 | D | A | D | A | A | A | D | A | Closed | FCRE3653 | 2026-01-17 09:51 | 2026-04-15 11:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Business License and LOE from Mortgage Broker provided. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/14/2026 Counter-Please provide updated 1003 and 1008 showing B1 as 0% owner of xxx as mentioned in CPA loan. According to CPA letter he has 0% ownership and 0 income from that business. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached copy of the CPA letter. Thank you. - Seller-03/27/2026 Counter-The File contains a CPA letter that's dated xxx stating xxx is 100% owner of xxx (xxx holds 100% ownership interest in the business.) xxx the CPA letter that's Dated xxx (prior to the updated CPA letter) stating xxx has been self-employed as the 100% owner of xxx for several years. Provided Entity documentation to support xxx is 100% owner of xxx & xxx. - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. xxx is the owner - Seller-01/20/2026 Open-Provide clarification and supporting documentation to resolve conflicting CPA ownership letters for xxx & xxx, located at xxx. Two CPA letters from xxx xxx, CPA, both dated xxx, state different 100% owners for the same business: one identifies xxx as the 100% owner, while the other identifies xxx as the 100% owner. In addition, the profit and loss statements prepared by the CPA for xxx for tax year 2024 and year-to-date through xxx must be addressed and reconciled to the correct ownership. Please provide a corrected CPA letter and/or additional documentation clearly identifying the true 100% owner and explaining the discrepancy. Additional conditions may apply upon review. - Due Diligence Vendor-01/17/2026 |
Same CPA letter provided showing xxx has 100% ownership of xxx - 03/30/2026 Ready for Review-Document Uploaded. Please see attached copy of the CPA letter. Thank you. - Seller-03/27/2026 Ready for Review-Document Uploaded. xxx is the owner - Seller-01/20/2026 |
Resolved-Business License and LOE from Mortgage Broker provided. - Due Diligence Vendor-04/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.28 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.13% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.08 Years |
CPA Letter.pdf Business License.pdf Post Closing LOE.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7153867 | |||
| 276323 | D | A | D | A | A | A | D | A | Closed | FCRE9488 | 2026-01-27 11:18 | 2026-01-28 08:56 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-LOE from Borrower provided. - Due Diligence Vendor-01/28/2026 Ready for Review-Document Uploaded. - Seller-01/27/2026 Open-Document Uploaded. - Due Diligence Vendor-01/27/2026 Open-Subject Loan is a Primary Residence. however the LOE that the Lender provided, states the subject Loan is an Investment with Vesting Instructions: Vesting for this transaction is to be completed under xxx. This vesting structure is being used strictly for business-purpose lending, which is permitted under program guidelines. - Due Diligence Vendor-01/27/2026 |
Ready for Review-Document Uploaded. - Seller-01/27/2026 |
Resolved-LOE from Borrower provided. - Due Diligence Vendor-01/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.28 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.13% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.08 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7313154 | |||
| 276323 | D | A | D | A | A | A | D | A | Closed | FCRE9549 | 2026-01-15 22:13 | 2026-01-27 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Operating Agreement for xxx provided stating bwr is 50% owner - Payment history provided. - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. - Seller-01/26/2026 Counter-Missing Documentation on who owns xxx? and the LOE that the Lender provided, states the subject Loan is an Investment with Vesting Instructions: Vesting for this transaction is to be completed under xxx. This vesting structure is being used strictly for business-purpose lending, which is permitted under program guidelines. Subject Loan is a Primary Residence. - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See uploaded payment history. thanks - Seller-01/22/2026 Counter-Document Uploaded. The Final 1003 states the borrower has owned the subject property for over 2 yrs. File contains a Full reconveyance dated xxx to xxx - and Payment History showing xxx. Who owns xxx? and the LOE that was provided states subject Loan is an Investment with Vesting Instructions: Vesting for this transaction is to be completed under xxx. This vesting structure is being used strictly for business-purpose lending, which is permitted under program guidelines. Subject Loan is a Primary Residence. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. Please see uploaded PP, borrower is not financial responsible of the property. - Seller-01/21/2026 Counter-The condition is for Missing Current Housing History for Subject Loan - The VOM that is in the Lenders Loan file is dated xxx and the remaining Housing History is not listed on the Bwr's CBR. - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-Missing current 12-month payment history for xxxper GL; the VOM in file is dated xxx and is no longer current. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. - Seller-01/26/2026 Ready for Review-Document Uploaded. See uploaded payment history. thanks - Seller-01/22/2026 Ready for Review-Document Uploaded. Please see uploaded PP, borrower is not financial responsible of the property. - Seller-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 |
Resolved-Operating Agreement for xxx provided stating bwr is 50% owner - Payment history provided. - Due Diligence Vendor-01/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.28 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.13% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.08 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7128257 | |||
| 703712 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-01-30 13:37 | 2026-02-18 12:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.04 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/18/2026 Ready for Review-See attached xxx bank statement showing xxx available AFTER xxx funds to close was wired to closing agent, which satisfies reserve requirement. - Due Diligence Vendor-02/17/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 Audited Reserves of -0- are less than Guideline Required Reserves of 3 months. - Due Diligence Vendor-01/30/2026 |
Resolved-Audited Reserves of 6.04 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7379862 | ||||
| 703712 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2026-01-30 13:32 | 2026-02-18 12:08 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 Ready for Review-See xxx bank statement showing xxx available AFTER xxx funds to close was wired to closing agent, which satisfies reserve requirement. Doc uploaded to other condition. - Due Diligence Vendor-02/17/2026 Open-Asset 1 Does Not Meet Guideline Requirements. xxx fails to reflect an owner name. - Due Diligence Vendor-01/30/2026 |
Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7379744 | |||||
| 703712 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-01-30 13:32 | 2026-02-18 12:08 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/18/2026 Ready for Review-See xxx bank statement showing xxx available AFTER xxx funds to close was wired to closing agent, which satisfies reserve requirement. Doc uploaded to other condition. - Due Diligence Vendor-02/17/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Total Liquid Assets Available for Close of xxx is less than required Total Cash to Close xxx. Reserve require also not met. - Due Diligence Vendor-01/30/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7379745 | |||||
| 937891 | C | B | A | A | C | B | A | A | Closed | finding-3652 | 2026-03-02 11:22 | 2026-05-01 12:22 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided...-----More than 60 days from consummation but within 60 days of discovery (TILA 130(b) Correction) (discovery date xxx) - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See refund docs for cure. - Seller-04/29/2026 Open- - Due Diligence Vendor-03/25/2026 Counter-Lender's response does not resolve the finding. The finding is in relation to the decrease of lender credit. A lender's credit, specific or non-specific, cannot decrease without a valid COC reason. - Due Diligence Vendor-03/11/2026 Ready for Review-We do not require COC if fee decreases since this is in favor of borrower. - Seller-03/10/2026 Counter-**Lender credit disclosed on CD issued xxx in Section J decreased to xxx in the Final CD issued xxx. The original file does not contain a valid COC reason in relation to thee lender credit decrease. - Due Diligence Vendor-03/06/2026 Ready for Review-We have COCs in file for changes. Please refer to page 1 of LE COC V1, page 1 of CD Initial and page 1 of CD V1 - Seller-03/05/2026 Open-**** The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/02/2026 Open- - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. See refund docs for cure. - Seller-04/29/2026 Ready for Review-We do not require COC if fee decreases since this is in favor of borrower. - Seller-03/10/2026 Ready for Review-We have COCs in file for changes. Please refer to page 1 of LE COC V1, page 1 of CD Initial and page 1 of CD V1 - Seller-03/05/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided...-----More than 60 days from consummation but within 60 days of discovery (TILA 130(b) Correction) (discovery date xxx) - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.25% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.66 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.81 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7873597 | |||
| 501820 | D | A | D | A | A | A | A | A | Closed | FCRE8712 | 2026-03-26 07:22 | 2026-04-01 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Updated 1008 & 1003 with audited DTI provided. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Uploaded 1003 (Final) Updated - Seller-03/31/2026 Open-Subject property- xxx After rental income calculation we get negative rental income (xxx) however 1008 has positive rental income of xxx We have not received rental agreement, hence need supporting document to verify rental income. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Uploaded 1003 (Final) Updated - Seller-03/31/2026 |
Resolved-Updated 1008 & 1003 with audited DTI provided. - Due Diligence Vendor-04/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
1003 (Final) Updated.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8331264 | |||
| 939478 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 894505 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 528388 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 861677 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 211709 | D | A | D | A | A | A | A | A | Closed | FCRE9163 | 2026-04-09 17:38 | 2026-04-16 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved- - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see uploaded promissory note for xxx - Seller-04/14/2026 Counter-Document Uploaded. Apologies for the confusion, the Final 1003 reflects 2 additional Liens (!1 for xxx & #2 for xxx) Missing the 12-month mortgage payment history verification for the xxx mortgage from xxx - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please see uploaded mortgage statements and payoff statement. - Seller-04/10/2026 Open-Provide a complete 12-month mortgage payment history verification for the xxx mortgage from xxx and xxx evidencing payments made by B1. The file includes a supplement for a different xxx mortgage and partial history for xxx (xxx–xxx) that does not confirm B1 made the payments. Additional conditions may apply upon review. - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. Please see uploaded promissory note for xxx - Seller-04/14/2026 Ready for Review-Document Uploaded. Please see uploaded mortgage statements and payoff statement. - Seller-04/10/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.44% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8585191 | ||||
| 211709 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-04-09 13:16 | 2026-04-13 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please see uploaded Title Commitment - Seller-04/10/2026 Open-Title Document is missing Provide the Title Commitment for the subject property located at xxx. The Title Commitment is missing from the file and is required to review vesting, lien position, and Schedule B requirements. Additional conditions may apply upon review. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please see uploaded Title Commitment - Seller-04/10/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.44% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8579676 | |||
| 211709 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-04-09 17:30 | 2026-04-13 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-04/10/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide documentation evidencing the EIN for xxx. The file does not contain the entity’s EIN/TIN to support proper identification and validation of the borrowing entity. Additional conditions may apply upon review. - Due Diligence Vendor-04/10/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide documentation evidencing the EIN for xxx The file does not contain the entity’s EIN/TIN to support proper identification and validation of the borrowing entity. Additional conditions may apply upon review. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-04/10/2026 |
Resolved-Entity documents provided - Due Diligence Vendor-04/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.44% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8585111 | |||
| 277876 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 445941 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-04-10 17:48 | 2026-04-20 08:00 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Uploaded RCE - Seller-04/18/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Provide replacement cost estimator showing enough coverage for loan amount or hazard insurance policy for the subject property showing guaranteed replacement. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Uploaded RCE - Seller-04/18/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.88 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.73% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8606181 | |||
| 310973 | C | B | C | B | A | A | A | A | Closed | FCRE1199 | 2026-04-09 18:21 | 2026-04-13 10:31 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception granted with supporting comp factors: Approved for xxx. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Uploaded Exceptions - Seller-04/10/2026 Open-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx per Guidelines Max Loan amount for xxx exceeds max of xxx lock conformation reflects exception pricing but no exception located in the file - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Uploaded Exceptions - Seller-04/10/2026 |
Waived-Exception granted with supporting comp factors: Approved for xxx. - Due Diligence Vendor-04/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.35 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.2% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
R&T refi, low LTV (xxx) High fico (xxx) |
Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 8585563 | ||
| 772250 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 304108 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 936594 | C | A | A | A | C | A | A | A | Closed | FCOM1291 | 2026-04-10 17:41 | 2026-05-05 10:59 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-***Received executed NORTC in the correct form model. - Due Diligence Vendor-05/05/2026 Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Seller-05/04/2026 Counter-**Received Payoff statement, finding remains unresolved. Please escalate with internal compliance/legal team. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Kindly see attached Payoff by xxx - Seller-04/15/2026 Counter-***The Title document in the original file, under Schedule B, indicates that the loan of record that was paid off was to xxx. The lender for the subject loan is also to xxx. - Due Diligence Vendor-04/15/2026 Ready for Review-Current Loan is being paid by different Lender. The H8 Right to Cancel form should be using - Seller-04/14/2026 Counter-***Received same copies of the NORTC that are in the original file that are in the H8 new creditor form model. The loan documents indicate that this is a same lender refinance as loan being paid off was originated by xxx, which is the same lender for the subject loan. Lender to confirm if borrower executed the correct NORTC in the H9 same lender refinance form model. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Uploaded Notice of Right to Cancel - Seller-04/13/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). **************** Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. - Seller-05/04/2026 Ready for Review-Document Uploaded. Kindly see attached Payoff by xxx - Seller-04/15/2026 Ready for Review-Current Loan is being paid by different Lender. The H8 Right to Cancel form should be using - Seller-04/14/2026 Ready for Review-Document Uploaded. Uploaded Notice of Right to Cancel - Seller-04/13/2026 |
Resolved-***Received executed NORTC in the correct form model. - Due Diligence Vendor-05/05/2026 Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) - Due Diligence Vendor-05/05/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.16 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8606091 | |||
| 522085 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 399390 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 802734 | B | A | A | A | B | A | A | A | Closed | FCOM8804 | 2026-04-13 19:07 | 2026-04-15 08:50 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Loan program disclosure missing or unexecuted | Resolved- - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Please see uploaded xxx - Seller-04/14/2026 Open-Missing xxx (NRA Requirement): Provide the copy of the fully executed Automatic Payment Authorization (ACH) Form, as required per GL for Non-Permanent Resident Alien borrowers. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Please see uploaded xxx - Seller-04/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.8% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8637385 | ||||
| 595717 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 240829 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 181547 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 385282 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 758749 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 745591 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 546906 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 700080 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 860103 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-04-14 02:08 | 2026-04-15 14:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/15/2026 Ready for Review-See attached Final SS and PCCD showing Funding date of xxx - Due Diligence Vendor-04/14/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/14/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/15/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8640054 | ||||
| 983309 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 662704 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 377771 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 190550 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 411852 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 499725 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 583095 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 885075 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 404968 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 411212 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 372426 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 652963 | C | A | C | A | A | A | A | A | Closed | FCRE1168 | 2026-04-17 19:23 | 2026-04-23 07:44 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject Lien or replacement cost value of xxx - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see uploaded. Per HOI shows 100% RCE. - Seller-04/22/2026 Counter-The RCE provided states xxx however the HOI policy dwelling coverage states xxx (that's a shortage of xxx) - Due Diligence Vendor-04/22/2026 Ready for Review-HOI Coverage - xxx that can cover or had enough RCE of xxx. - Seller-04/21/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see uploaded. Per HOI shows 100% RCE. - Seller-04/22/2026 Ready for Review-HOI Coverage - xxx that can cover or had enough RCE of xxx. - Seller-04/21/2026 |
Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject Lien or replacement cost value of xxx - Due Diligence Vendor-04/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.07 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.67% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8749875 | |||
| 375803 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 438132 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 777056 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 287341 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 958018 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 709874 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-04-20 22:28 | 2026-04-22 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Cert provided - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Uploaded Trust Cert. - Seller-04/21/2026 Open-Missing a fully executed Trust Agreement or Trust Certificate for “xxx dated xxx.” - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Uploaded Trust Cert. - Seller-04/21/2026 |
Resolved-Trust Cert provided - Due Diligence Vendor-04/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.23% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.63% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8782468 | |||
| 199048 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 786255 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 770480 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 773857 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 861568 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 803931 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-04-21 13:36 | 2026-04-23 11:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 with a new DTI of 41.61% provided - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Uploaded Updated 1003 and 1008 - Seller-04/23/2026 Counter-Document Uploaded. Apologies for the confusion, the Difference appears to be coming from the Child Support - Lender is using xxx Per the Final 1003 however per the Divorce Decree is states: Husband and Wife will pay a total of xxx per Month, parties have agreed to each contribute Five Hundred dollars to their joint account. Audited DTI is 38.66% vs Lenders 44.56% - an updated 1008 is needed. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see the uploaded 1008,1007, and 1003. Due to vacancy factor of 25% after calculation, the negative cashflow is xxx. xxx * 75% = xxx – xxx = xxx - Seller-04/21/2026 Open-DTI variance from the 1008 (35.70%) to Tape Data (44.56%) and Audit Review (38.66%) is driven by (1) inclusion of a xxx/month child support obligation, and (2) variance in rental income treatment, reflecting negative rental income of xxx on the initial 1003 versus xxx per Audit review. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Uploaded Updated 1003 and 1008 - Seller-04/23/2026 Ready for Review-Document Uploaded. Please see the uploaded 1008,1007, and 1003. Due to vacancy factor of 25% after calculation, the negative cashflow is xxx. xxx * 75% = xxx –xxx = xxx - Seller-04/21/2026 |
Resolved-Updated 1008 with a new DTI of 41.61% provided - Due Diligence Vendor-04/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.70 Years Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 38.66% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8800069 | |||
| 854586 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 941559 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 282189 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 231789 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 573925 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 861053 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 291318 | D | A | D | A | A | A | A | A | Closed | FCRE1826 | 2026-04-21 02:55 | 2026-04-28 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Missing | Resolved-USA Patriot Act provided - Due Diligence Vendor-04/28/2026 Ready for Review-See attached USA Patriot Act - Due Diligence Vendor-04/27/2026 Counter-Apologizes for the confusion. Missing valid Driver's license or USA Patriot ACT form from the file. - Due Diligence Vendor-04/22/2026 Ready for Review-See attached copy of Permanent Resident Card. - Due Diligence Vendor-04/21/2026 Open-Borrower is Permanent Resident Alien and only PR card Provided. DL is missing. Provide DL/any US proof of residency for the borrower. - Due Diligence Vendor-04/21/2026 |
Resolved-USA Patriot Act provided - Due Diligence Vendor-04/28/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8784054 | ||||
| 735229 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 638498 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 844975 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 201373 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 477422 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 563801 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 990248 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-04-22 16:20 | 2026-04-28 13:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see uploaded data verify report - Seller-04/27/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see uploaded data verify report - Seller-04/27/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.79% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8826524 | |||
| 682159 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 516563 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 828403 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-04-22 06:55 | 2026-04-27 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-04/27/2026 Ready for Review-See attached Final Settlement Statement - Due Diligence Vendor-04/23/2026 Open-Missing Final Settlement Statement/equivalent. - Due Diligence Vendor-04/22/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8813618 | ||||
| 644608 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 615080 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-04-22 12:55 | 2026-04-24 10:16 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 Resolved- - Due Diligence Vendor-04/24/2026 Ready for Review-See attached Initial CD and Revised CD. - Due Diligence Vendor-04/23/2026 Open-*****Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to borrower. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.18 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821597 | ||||
| 615080 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-04-22 12:55 | 2026-04-24 10:16 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 Resolved- - Due Diligence Vendor-04/24/2026 Ready for Review-See attached Initial CD and Revised CD. - Due Diligence Vendor-04/23/2026 Open-*****Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to borrower. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.18 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821598 | ||||
| 615080 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-04-22 12:55 | 2026-04-24 10:16 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 Resolved- - Due Diligence Vendor-04/24/2026 Ready for Review-See attached Initial CD and Revised CD. - Due Diligence Vendor-04/23/2026 Open-*****Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to borrower. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.18 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821599 | ||||
| 615080 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-04-22 12:55 | 2026-04-24 10:16 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 Resolved- - Due Diligence Vendor-04/24/2026 Ready for Review-See attached Initial CD and Revised CD. - Due Diligence Vendor-04/23/2026 Open-*****Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to borrower. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received Initial CD - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.18 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821600 | ||||
| 666200 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-04-22 07:03 | 2026-04-24 08:02 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/24/2026 Ready for Review-See attached updated Credit Refresh Rpt dated xxx - Due Diligence Vendor-04/23/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/22/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.13 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8813707 | ||||
| 293647 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 205672 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 867039 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 851064 | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2026-04-22 12:23 | 2026-04-29 14:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received COC - Due Diligence Vendor-04/29/2026 Resolved- - Due Diligence Vendor-04/29/2026 Ready for Review-See attached COC with Appraisal Invoice. - Due Diligence Vendor-04/28/2026 Counter-***Received missing disclosures. COC document with discovery date of xxx only states the Appraisal Fee changed (increased) but does not provide a valid COC reason in relation to the increase. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Ready for Review-See attached CDs - Due Diligence Vendor-04/23/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received COC - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821001 | ||||
| 851064 | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2026-04-22 12:23 | 2026-04-29 14:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received COC - Due Diligence Vendor-04/29/2026 Resolved- - Due Diligence Vendor-04/29/2026 Ready for Review-See attached COC with Appraisal Invoice. - Due Diligence Vendor-04/28/2026 Counter-***Received missing disclosures. COC document with discovery date of xxx only states the Appraisal Fee changed (increased) but does not provide a valid COC reason in relation to the increase. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Ready for Review-See attached Initial CDs. - Due Diligence Vendor-04/23/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received COC - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821002 | ||||
| 851064 | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2026-04-22 12:23 | 2026-04-29 14:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received COC - Due Diligence Vendor-04/29/2026 Resolved- - Due Diligence Vendor-04/29/2026 Ready for Review-See attached COC with Appraisal Invoice. - Due Diligence Vendor-04/28/2026 Counter-***Received missing disclosures. COC document with discovery date of xxx only states the Appraisal Fee changed (increased) but does not provide a valid COC reason in relation to the increase. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Ready for Review-See attached Initial CD, Revised CD (xxx I xxx & xxx) along with Final CD. - Due Diligence Vendor-04/23/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received COC - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821000 | ||||
| 851064 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-04-22 07:55 | 2026-04-24 08:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/24/2026 Ready for Review-See attached Initial 1003 - Due Diligence Vendor-04/23/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-04/22/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8814456 | ||||
| 429822 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 561539 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 832707 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 280558 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 690643 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 359108 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 596322 | D | A | D | A | A | A | A | A | Closed | FCRE1728 | 2026-04-27 10:02 | 2026-04-28 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Est rent provided. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please refer to the p.6 of Appraisal Report. Per our Underwriter, Primary purchase multi-unit can use rental income for the rest of the units as long as we confirm which one borrower will take. In this case, since one unit had higher rent, the most conservative route was followed and xxx xxx for Units 2, 3, and 4) was used, as shown in the appraisal’s rent schedule. - Seller-04/27/2026 Open-Missing proof of rents for subject property used to qualify of xxx gross rents monthly (1-4 unit property) - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please refer to the p.6 of Appraisal Report. Per our Underwriter, Primary purchase multi-unit can use rental income for the rest of the units as long as we confirm which one borrower will take. In this case, since one unit had higher rent, the most conservative route was followed and xxx (xxx for Units 2, 3, and 4) was used, as shown in the appraisal’s rent schedule. - Seller-04/27/2026 |
Resolved-Est rent provided. - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8889761 | |||
| 560700 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 363507 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 915808 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 863153 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 792956 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 241174 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 556689 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-04-23 19:46 | 2026-05-11 15:43 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/11/2026 Ready for Review-COC for Deed Recording Fee and corrected PCCD showing original lender credit of xxx + xxx cure check sent to borrower (total lender credit of xxx to borrower) uploaded to other condition. Lender over-refunded to borrower. - Due Diligence Vendor-05/08/2026 Counter-***PCCD provided as part of the cure package has a lender credit of xxx, the additional xxx lender credit disclosed in the Final CD has been removed. Lender to provide corrected PCCD. - Due Diligence Vendor-05/05/2026 Ready for Review-See attached xxx, xxx, xxx and PCCD with xxx. - Due Diligence Vendor-05/04/2026 Open- Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 |
Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/11/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.74 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8852374 | ||||
| 556689 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-04-23 19:46 | 2026-05-11 15:42 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/11/2026 Ready for Review-COC for Deed Recording Fee and corrected PCCD showing original lender credit of xxx + xxx cure check sent to borrower (total lender credit of xxx to borrower) attached. Lender over-refunded to borrower. - Due Diligence Vendor-05/08/2026 Counter-***PCCD provided as part of the xxx package has a lender credit of xxx, the additional xxx lender credit disclosed in the Final CD has been removed. Lender to provide corrected PCCD. - Due Diligence Vendor-05/05/2026 Ready for Review-See attached xxx Check, xxx LOE, xxx Shipping Label and PCCD with xxx. - Due Diligence Vendor-05/04/2026 Open- Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/11/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.74 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8852373 | ||||
| 556689 | C | B | A | A | C | B | A | A | Closed | finding-3635 | 2026-04-23 19:46 | 2026-05-11 15:42 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/11/2026 Ready for Review-COC for Deed Recording Fee and corrected PCCD showing original lender credit of xxx + xxx cure check sent to borrower (total lender credit of xxx to borrower) uploaded to other condition. Lender over-refunded to borrower. - Due Diligence Vendor-05/08/2026 Counter-***PCCD provided as part of the xxx package has a lender credit of xxx, the additional xxx lender credit disclosed in the Final CD has been removed. Lender to provide corrected PCCD. - Due Diligence Vendor-05/05/2026 Ready for Review-See attached xxx Check, xxx LOE, xxx Shipping Label and PCCD with Cure. - Due Diligence Vendor-05/04/2026 Open- Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/11/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.74 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8852375 | ||||
| 924012 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-04-23 14:41 | 2026-04-27 14:01 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD - Due Diligence Vendor-04/27/2026 Ready for Review-See attached Initial CD. - Due Diligence Vendor-04/24/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. ******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-04/23/2026 |
Resolved-**Received ICD - Due Diligence Vendor-04/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.31 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8847531 | ||||
| 348353 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 854662 | D | A | D | A | C | A | D | A | Closed | finding-47 | 2026-04-24 15:40 | 2026-04-29 11:06 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received FSS and PCCD - Due Diligence Vendor-04/29/2026 Resolved- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Ready for Review-See attached Final SS and PCCD. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/25/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-Received FSS and PCCD - Due Diligence Vendor-04/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8874772 | ||||
| 854662 | D | A | D | A | C | A | D | A | Closed | FCOM4227 | 2026-04-24 18:30 | 2026-04-29 10:38 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received Initial CD - Due Diligence Vendor-04/29/2026 Ready for Review-See attached Initial CD. - Due Diligence Vendor-04/27/2026 Open-******Documentation provided does not contain the Missing Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/24/2026 |
Resolved-**Received Initial CD - Due Diligence Vendor-04/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8877623 | ||||
| 854662 | D | A | D | A | C | A | D | A | Closed | FCRE1198 | 2026-04-24 12:08 | 2026-04-28 14:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 18.59 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/28/2026 Ready for Review-See 401K Statement and Updated Final 1003 - Due Diligence Vendor-04/27/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 Per guidelines, 3 months reserves is required. No assets were provided. Assets missing for reserves. - Due Diligence Vendor-04/24/2026 |
Resolved-Audited Reserves of 18.59 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8869620 | ||||
| 854662 | D | A | D | A | C | A | D | A | Closed | FPRO1242 | 2026-04-27 08:15 | 2026-04-28 14:17 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/28/2026 Ready for Review-See attached Appraisal Report. - Due Diligence Vendor-04/27/2026 Open-The primary appraisal is missing. - Due Diligence Vendor-04/27/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-04/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8887924 | ||||
| 854662 | D | A | D | A | C | A | D | A | Closed | FCRE5782 | 2026-04-24 13:56 | 2026-04-28 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/28/2026 Ready for Review-See attached Credit Refresh Report - Due Diligence Vendor-04/27/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/24/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8872411 | ||||
| 429984 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 918093 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 395437 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 881062 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 935859 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-27 19:44 | 2026-04-29 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided explanation for xxx calculations and all supporting docs already in file - Due Diligence Vendor-04/29/2026 Ready for Review-xxx: Documentation for this property is included in file, please see pages 47-65. Property profile page 48 shows property tax of xxx xxx/12=xxx) ; HOI page 63 xxx xxx/12=xxx). Total taxes and insurance xxx. Mortgage statements shows escrowed taxes and insurance is xxx. The excess xxx is added on REO section. - Seller-04/28/2026 Open-Verification of hoa dues missing for property located at xxx - Due Diligence Vendor-04/27/2026 |
Ready for Review-xxx: Documentation for this property is included in file, please see pages 47-65. Property profile page 48 shows property tax of xxx xxx/12=xxx) ; HOI page 63 xxx xxx/12=xxx). Total taxes and insurance xxx. Mortgage statements shows escrowed taxes and insurance is xxx. The excess xxx is added on REO section. - Seller-04/28/2026 |
Resolved-Lender provided explanation for xxx calculations and all supporting docs already in file - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.72% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8907182 | ||||
| 228092 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 988462 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 131991 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-04-24 04:10 | 2026-04-28 07:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.19 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/28/2026 Ready for Review-Verified Assets xxx. Required Reserves xxx (3 months PITI). Also reference Final SS and PCCD attached. - Due Diligence Vendor-04/24/2026 Open-Audited Reserves of 2.95 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-04/24/2026 |
Resolved-Audited Reserves of 7.19 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8857922 | ||||
| 131991 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-04-24 11:06 | 2026-04-27 14:58 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received revised LE and Initial CD - Due Diligence Vendor-04/27/2026 Ready for Review-See attached Initial CD. - Due Diligence Vendor-04/24/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/24/2026 |
Resolved-***Received revised LE and Initial CD - Due Diligence Vendor-04/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8866935 | ||||
| 131991 | C | A | C | A | C | A | A | A | Closed | finding-3939 | 2026-04-24 07:31 | 2026-04-27 14:57 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received revised LE and Initial CD - Due Diligence Vendor-04/27/2026 Resolved- - Due Diligence Vendor-04/27/2026 Ready for Review-See attached Locked LE. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-***Received revised LE and Initial CD - Due Diligence Vendor-04/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8861395 | ||||
| 453354 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-04-24 13:54 | 2026-04-28 13:40 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-04/27/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/24/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.6% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8872398 | ||||
| 453354 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-04-27 09:30 | 2026-04-28 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act provided - Due Diligence Vendor-04/28/2026 Ready for Review-See attached USA Patriot Act. - Due Diligence Vendor-04/27/2026 Open-Borrower 1 Citizenship Documentation Is Missing Please provide a valid ID such as a Driver's License, Passport, or executed Patriot Act form. - Due Diligence Vendor-04/27/2026 |
Resolved-USA Patriot Act provided - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.6% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8889106 | ||||
| 864771 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 739280 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 972393 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 297565 | D | A | D | A | D | A | A | A | Closed | FCRE1182 | 2026-04-24 09:07 | 2026-04-27 08:54 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/27/2026 Ready for Review-See attached Transmittal Summary (1008). - Due Diligence Vendor-04/24/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/24/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8863191 | ||||
| 297565 | D | A | D | A | D | A | A | A | Closed | FCRE9959 | 2026-04-24 07:39 | 2026-04-27 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-04/27/2026 Ready for Review-See attached Final CD. - Due Diligence Vendor-04/24/2026 Open-Missing Final Settlement Statement/equivalent, Closing Disclosure on page no. 95 does not have Borrower's signature on it but its closing date matches note date. Settlement statement on page no.3 has different property address and loan number. - Due Diligence Vendor-04/24/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8861504 | ||||
| 297565 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-04-24 07:08 | 2026-04-27 08:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/27/2026 Ready for Review-See attached Final 1003 - Due Diligence Vendor-04/24/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-04/24/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8860866 | ||||
| 155148 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 532843 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 462253 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 259736 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 344299 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-04-27 22:44 | 2026-04-29 06:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Business license document provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see the uploaded business license. The start date is xxx, covering more than two years. - Seller-04/28/2026 Open-Provide the Business/Professional License for xxx covering the most recent two (2) years, as required per GL. Although the Tax Preparer states the business is licensed, active, and in good standing, supporting documentation has not been provided—additional conditions may apply upon review. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. Please see the uploaded business license. The start date is xxx, covering more than two years. - Seller-04/28/2026 |
Resolved-Business license document provided - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.94% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8909859 | |||
| 927847 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 167542 | D | A | D | A | C | A | A | A | Closed | FCOM1001 | 2026-04-28 02:59 | 2026-04-29 08:13 | Resolved | 1 - Information | C | A | Compliance | 1003 (Final) | Final 1003 Signed by All Borrowers | Resolved-Signed Final 1003 Provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Uploaded Final 1003. - Seller-04/28/2026 Open-Provide Page 1 of 14 of the Final 1003 reflecting B1’s details, as it is currently missing from the file—additional conditions may apply upon review. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. Uploaded Final 1003. - Seller-04/28/2026 |
Resolved-Signed Final 1003 Provided - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.9% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8911438 | |||
| 167542 | D | A | D | A | C | A | A | A | Closed | FCRE9814 | 2026-04-28 03:01 | 2026-04-29 07:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Complete Trust agreement provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Uploaded Trust Cert. - Seller-04/28/2026 Open-Provide a copy of the fully executed Trust Agreement for The xxx and xxx dated xxx, as it is currently missing from the file—additional conditions may apply upon review. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. Uploaded Trust Cert. - Seller-04/28/2026 |
Resolved-Complete Trust agreement provided - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.9% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8911449 | |||
| 913167 | D | A | D | A | A | A | C | A | Closed | FCRE1814 | 2026-04-27 12:28 | 2026-05-18 16:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-lender provided docs - Due Diligence Vendor-05/18/2026 Ready for Review-Entity docs attached - Due Diligence Vendor-05/16/2026 Counter-Missing Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-04/28/2026 Ready for Review-See attached operating agreement. - Due Diligence Vendor-04/27/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-04/27/2026 |
Resolved-lender provided docs - Due Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8897027 | ||||
| 913167 | D | A | D | A | A | A | C | A | Closed | FPRO9939 | 2026-04-27 10:38 | 2026-04-29 13:58 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-04/29/2026 Ready for Review-See attached CDA - Due Diligence Vendor-04/28/2026 Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.6) - Due Diligence Vendor-04/27/2026 |
Resolved-CDA provided - Due Diligence Vendor-04/29/2026 Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.6) - Due Diligence Vendor-04/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8893510 | ||||
| 440949 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-04-27 23:36 | 2026-04-29 08:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2026 Ready for Review-See attached Credit Refresh Report. - Due Diligence Vendor-04/28/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/28/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8910100 | ||||
| 796615 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 150537 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 921376 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-04-28 06:32 | 2026-04-29 08:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see uploaded Updated Hazard Insurance Binder with Effective date of xxx. - Seller-04/28/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. Please see uploaded Updated Hazard Insurance Binder with Effective date of xxx. - Seller-04/28/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 138.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8914770 | |||
| 430812 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 235997 | C | A | C | A | C | A | A | A | Closed | FCOM2276 | 2026-04-28 07:38 | 2026-04-30 14:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026 Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-04/29/2026 Open-Final CD shows disbursement date xxx which is before closing date xxx - Due Diligence Vendor-04/28/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Final CD shows disbursement date xxx which is before closing date xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8915521 | |||
| 235997 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-04-28 01:48 | 2026-04-29 09:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Asset and 1003 provided to clear shortage of reserves - Due Diligence Vendor-04/29/2026 Ready for Review-See attached xxx Bank Statement along with Transaction history and updated Final 1003 showing assets. - Due Diligence Vendor-04/28/2026 Open-Audited Reserves of 5.92 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-04/28/2026 |
Resolved-Asset and 1003 provided to clear shortage of reserves - Due Diligence Vendor-04/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8910803 | ||||
| 928619 | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2026-04-28 07:35 | 2026-04-29 15:30 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-**Received disclosure - Due Diligence Vendor-04/29/2026 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/29/2026 Ready for Review-See attached Home Counseling Disclosure along with Delivery Cert. - Due Diligence Vendor-04/28/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/28/2026 |
Resolved-**Received disclosure - Due Diligence Vendor-04/29/2026 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8915464 | ||||
| 564276 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-04-28 12:26 | 2026-04-29 19:28 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/29/2026 Ready for Review-See attached Initial CD. - Due Diligence Vendor-04/28/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure is Missing Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-04/28/2026 |
Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75.07% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.21 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8923367 | ||||
| 550294 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 688509 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 292660 | D | A | D | A | A | A | A | A | Closed | FCRE8138 | 2026-04-28 16:43 | 2026-05-19 11:58 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Lender provided lease which is through 2027 showing higher rent and that tenant pays condo assessments. Property located on xxx. - Due Diligence Vendor-05/19/2026 Resolved-Calculated DSCR of 0.864 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Lease Agreement. - Due Diligence Vendor-05/18/2026 Open-Calculated DSCR of 0.669 is less than guideline DSCR of 0.75. Per the Loan Approval, the loan was qualified at origination with a DSCR of 0.846. Lender qualified borrower with monthly HOA dues of xxx but HOA documentation in file confirms xxx monthly; supported also by the Appraisal. Using the actual monthly HOA dues, the PITIA for the subject is xxx which resulted in DSCR of 0.669 xxx P&I+xxx taxxxx insxxx=xxx; xxx/xxx=0.669). The audit calculated DSCR is less than the guideline DSCR of 0.75 used at origination. - Due Diligence Vendor-04/28/2026 |
Resolved-Lender provided lease which is through 2027 showing higher rent and that tenant pays condo assessments. Property located on xxx. - Due Diligence Vendor-05/19/2026 Resolved-Calculated DSCR of 0.864 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-05/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8931207 | ||||
| 292660 | D | A | D | A | A | A | A | A | Closed | FVAL3825 | 2026-04-28 17:06 | 2026-05-15 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI provided stating The subject property does not exhibit any apparent damage or adverse effects resulting from the weather event. - Due Diligence Vendor-05/15/2026 Ready for Review-PDI report attached - Due Diligence Vendor-05/15/2026 Open-FEMA.gov confirms Individual Assistance was given to xxx County for Disaster xxx; Incident Date xxx to xxx; Disaster Declared xxx. Appraisal was completed xxx which was prior to the disaster and the file does not contain a Post Disaster Inspection as required by guidelines. - Due Diligence Vendor-04/28/2026 |
Resolved-PDI provided stating The subject property does not exhibit any apparent damage or adverse effects resulting from the weather event. - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8931939 | ||||
| 292660 | D | A | D | A | A | A | A | A | Closed | FCRE1480 | 2026-04-28 17:12 | 2026-05-04 17:24 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-05/04/2026 Ready for Review-See attached Final Settlement Statement showing Updated Final 1003. Final SS shows xxx as Seller Credit. - Due Diligence Vendor-05/04/2026 Open-Asset 2 Does Not Meet Guideline Requirements Documentation of receipt of xxx gift is missing. Per the Gift Letter, the xxx give would be sent directly to the Attorney/Closing Agent. The file does contain documentation of receipt and the final HUD-1 Settlement Statement does not reflect the xxx gift. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8932117 | |||||
| 204831 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 122523 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 751180 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 381207 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-04-30 07:16 | 2026-05-05 08:09 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-05/05/2026 Ready for Review-See attached Initial CD. - Due Diligence Vendor-05/04/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 |
Resolved-***Received ICD - Due Diligence Vendor-05/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8966972 | ||||
| 755613 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 397648 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 906377 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 903861 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-04-29 06:15 | 2026-04-30 13:59 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/30/2026 Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-04/29/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/29/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 199.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | 1008/Underwriting Summary Not Provided. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8941916 | |||
| 970908 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 448695 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 164086 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 310904 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-04-29 06:37 | 2026-05-08 15:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/08/2026 Ready for Review-See attached EOI showing Effective date of xxx - Due Diligence Vendor-05/07/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/29/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8942148 | ||||
| 310904 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-04-30 11:32 | 2026-05-05 11:58 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received missing disclosure - Due Diligence Vendor-05/05/2026 Ready for Review-See attached Initial CD. - Due Diligence Vendor-05/04/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 |
Resolved-Received missing disclosure - Due Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8972452 | ||||
| 761418 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 907020 | D | A | D | A | B | A | A | A | Closed | FCOM1621 | 2026-04-29 08:24 | 2026-04-30 14:41 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/30/2026 Ready for Review-See attached Initial Escrow Account Disclosure. - Due Diligence Vendor-04/29/2026 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-04/29/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/30/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.16 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8943675 | ||||
| 907020 | D | A | D | A | B | A | A | A | Closed | FCRE6019 | 2026-04-29 06:00 | 2026-04-30 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-US Patriot Act provided - Due Diligence Vendor-04/30/2026 Ready for Review-See attached USA Patriot Act - Due Diligence Vendor-04/29/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-04/29/2026 |
Resolved-US Patriot Act provided - Due Diligence Vendor-04/30/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.16 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8941809 | ||||
| 907020 | D | A | D | A | B | A | A | A | Closed | FCRE1316 | 2026-04-29 06:43 | 2026-04-30 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2026 Ready for Review-See attached B1 VVOE. - Due Diligence Vendor-04/29/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/29/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.16 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8942209 | ||||
| 151446 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 872036 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 155370 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-05-01 15:53 | 2026-06-04 07:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/04/2026 Ready for Review-xxx and xxx business bank statements for xxx for xxx account ending in xxx, attached. - Due Diligence Vendor-06/03/2026 Counter-Provide xxx and xxx business bank statements for xxx for xxx account ending in xxx, - Due Diligence Vendor-05/04/2026 Ready for Review-See comment on bank statement worksheet stating that xxx, xxx and xxx statements are for year xxx. xxx & xxx xxx statements were not included in qualifying income calculation. - Due Diligence Vendor-05/01/2026 Open-Borrower 1 Business Bank Statements Missing Missing the xxx and xxx xxx xxx business account statement xxx showing the deposits of xxx for xxx xxx and xxx for xxx xxx. {xxx} - Due Diligence Vendor-05/01/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Of 720 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 16.75 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.13% Is Below The Guideline Maximum Original LTV Of 78.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or Mo Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.72 Are Greater Than The Guideline Minimum Months Reserves Of 9.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9006449 | ||||
| 155370 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-04-30 20:52 | 2026-05-04 14:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx acceptable per PCCD disbursement within 1 day permitted - Due Diligence Vendor-05/04/2026 Ready for Review-PCCD showing xxx disbursement date attached. - Due Diligence Vendor-05/01/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Provide HOI policy with an effective date of on or before closing/fudning - Due Diligence Vendor-05/01/2026 |
Resolved-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx acceptable per PCCD disbursement within 1 day permitted - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Of 720 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 16.75 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.13% Is Below The Guideline Maximum Original LTV Of 78.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or Mo Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.72 Are Greater Than The Guideline Minimum Months Reserves Of 9.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8986330 | ||||
| 268658 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 709343 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-04-30 15:14 | 2026-05-05 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Please waive condition. Reference Escrow Instructions included in the initial Loan Doc Package. I've attached for reference as well. - Due Diligence Vendor-05/04/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-04/30/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8978265 | ||||
| 677032 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-04-30 14:09 | 2026-05-06 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-05/06/2026 Ready for Review-See updated Final 1003 xxx Assets removed. Only Using xxx - Due Diligence Vendor-05/05/2026 Open-Asset 2 Missing Asset 2 xxx missing showing a balance of no less than xxx - Due Diligence Vendor-04/30/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 74.07% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 37.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8976212 | ||||
| 287151 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 874769 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 991198 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 896386 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 388632 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-05-01 17:43 | 2026-05-07 10:47 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-See attached Initial CD and Revised CD xxx - Due Diligence Vendor-05/05/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/01/2026 |
Resolved-***Received ICD - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9010082 | ||||
| 205350 | C | A | C | A | C | A | A | A | Closed | FCRE8201 | 2026-05-01 15:27 | 2026-05-06 15:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-PCCD shows only xxx cash back to borrower. - Due Diligence Vendor-05/06/2026 Ready for Review-See attached Final SS and PCCD (both under one attachment) - Due Diligence Vendor-05/05/2026 Open-The subject loan was originated and approved as a Limited Cash-Out Refinance however the final Closing Disclosure confirms the borrower received xxx cash back at closing, which exceeds the guidelines (lessor of xxx or 2% of the new loan amount); making the loan a Cash-Out. The loan also does not conform to the Cash-Out Refinance guidelines because the borrower's ownership has not been seasoned for 6 or more months. The Title Commitment and Grant Deed in file confirms the property was deeded to the borrower on xxx (recorded xxx) and there is no documentation that indicates the borrower was awarded the property through an inheritance, divorce, separation or dissolution of a domestic partnership. - Due Diligence Vendor-05/01/2026 |
Resolved-PCCD shows only xxx cash back to borrower. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.07 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.08 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9006017 | ||||
| 205350 | C | A | C | A | C | A | A | A | Closed | FCRE1492 | 2026-05-01 15:08 | 2026-05-06 15:16 | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-05/06/2026 Resolved-PCCD shows only xxx cash back to borrower. - Due Diligence Vendor-05/06/2026 Ready for Review-See attached Final SS and PCCD (both under one attachment) - Due Diligence Vendor-05/05/2026 Open-Cash Out Does Not Meet Guideline Requirements The subject loan was approved as a Limited Cash-Out Refinance and guidelines permit maximum cash back of the lessor of xxx or 2% of the new loan amount. The final Closing Disclosure confirms the borrower received cash back of xxx which exceeds the guidelines. - Due Diligence Vendor-05/01/2026 |
Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-05/06/2026 Resolved-PCCD shows only xxx cash back to borrower. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.07 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.08 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9005619 | ||||
| 650282 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 754316 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 771429 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-05-04 14:22 | 2026-05-05 10:42 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received missing disclosures - Due Diligence Vendor-05/05/2026 Ready for Review-See attached Initial CD xxx - Due Diligence Vendor-05/04/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/04/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.88 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.92 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9028693 | ||||
| 771429 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-04 14:29 | 2026-05-05 10:41 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/05/2026 Resolved- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 Ready for Review-See attached Final SS and PCCD. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.88 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.92 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9028825 | ||||
| 771429 | C | A | A | A | C | A | A | A | Closed | finding-3613 | 2026-05-04 14:29 | 2026-05-05 10:31 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-**Received missing CDs - Due Diligence Vendor-05/05/2026 Ready for Review-See attached Revised CDs dated xxx and xxx - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-**Received missing CDs - Due Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.88 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.92 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9028826 | ||||
| 714257 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 576356 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 693973 | C | A | A | A | A | A | C | A | Closed | FVAL6465 | 2026-05-04 16:57 | 2026-05-06 10:41 | Resolved | 1 - Information | C | A | Property | Property Issue | Property is listed for sale | Resolved-Listing removed off market doc provided - Due Diligence Vendor-05/06/2026 Ready for Review-The listing status is supported by xxx. In addition, a prepayment penalty has been applied which is allowed per xxx guidelines when the listing has been canceled for less than 6 months. - Due Diligence Vendor-05/05/2026 Open-The Appraisal indicates the subject property was listed for sale xxx and as of the Appraisal date (xxx), the Listing showed Active Status. The file contains documentation from xxx that indicates the Listing was removed on xxx but there is no documentation to confirm the Listing Agreement was terminated and property taken off the market. Lender to provide documentation that confirms the Listing Agreement was terminated and property taken off the market on or before the disbursement date of the new mortgage loan. - Due Diligence Vendor-05/04/2026 |
Resolved-Listing removed off market doc provided - Due Diligence Vendor-05/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9031636 | ||||
| 251230 | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2026-05-04 16:58 | 2026-05-06 10:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-Doc provided - Due Diligence Vendor-05/06/2026 Ready for Review-See attached copy of DL - Due Diligence Vendor-05/05/2026 Open-USA Patriot Act Disclosure on page #168 is incomplete. Missing State Issued Driver License Expiration Date. - Due Diligence Vendor-05/04/2026 |
Resolved-Doc provided - Due Diligence Vendor-05/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9031653 | ||||
| 693631 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 138617 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-05 16:09 | 2026-05-08 14:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-See attached Statement showing EMD xxx for gift. xxx was for returned check Fee. - Due Diligence Vendor-05/07/2026 Open-Audited Reserves of 1.27 are less than Guideline Required Reserves of 3. Missing documentation showing earnest money deposit verified and cleared. - Due Diligence Vendor-05/05/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.18 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9051814 | |||||
| 769213 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 556205 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 250661 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 893751 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 312796 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 252251 | C | A | B | A | C | A | A | A | Closed | FCOM9464 | 2026-05-05 16:55 | 2026-05-08 15:47 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Summaries of Transaction discrepancy | Resolved-Lender provided additional information. - Due Diligence Vendor-05/08/2026 Ready for Review-Please see attached Ledger showing EMD was returned to the borrower. - Due Diligence Vendor-05/08/2026 Open-The final Closing Disclosure does not reflect a credit to the borrower for the entire xxx initial deposit that consisted of xxx earnest money and xxx Option Fee. The Purchase Contract reflects a xxx earnest money and xxx Option Fee requirement; totaling xxx. The loan file contains a copy of the xxx bank check from one of the non-borrowing Title Holders and paid to Escrow (Community Title). There is also documentation from Community Title confirming receipt of the xxx. The final CD only reflects credit for the xxx Option Fee and the file does not contain a Post Consummation CD reflecting the total xxx credit to the borrower or any other documentation to confirm the status of the xxx for which the borrower did not receive credit at closing. Lender to provide documentation to confirm status or disposition of the borrower's xxx earnest money deposit. - Due Diligence Vendor-05/05/2026 |
Resolved-Lender provided additional information. - Due Diligence Vendor-05/08/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.59 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.08% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9052965 | ||||
| 252251 | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2026-05-05 16:34 | 2026-05-08 15:45 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2026 Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-05/07/2026 Open-1008/Underwriting Summary Not Provided The 1008/Underwriting Summary was not provided in the file. - Due Diligence Vendor-05/05/2026 |
also corrected sales price - 05/08/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.59 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.08% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9052346 | |||
| 256922 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-05-06 18:18 | 2026-05-08 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/08/2026 Ready for Review-See attached VVOE and CPA Letter. - Due Diligence Vendor-05/07/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/06/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/08/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9073491 | ||||
| 696369 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 398419 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 856774 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 261658 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-05-08 03:26 | 2026-05-11 14:30 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/11/2026 Ready for Review-See attached Transmittal Summary (1008) . - Due Diligence Vendor-05/08/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/08/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/11/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9098758 | ||||
| 191215 | C | B | C | B | A | A | A | A | Closed | FCRE3874 | 2026-05-08 01:41 | 2026-05-21 07:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: The exception to proceed with a xxx on an investment property has been approved - Due Diligence Vendor-05/21/2026 Ready for Review-Exception approval attached. - Due Diligence Vendor-05/20/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per Appraisal, Subject property is located in a xxx, per xxx , xxx Properties are not allowed. - Due Diligence Vendor-05/08/2026 |
Waived-Exception granted with supporting comp factors: The exception to proceed with a rural neighborhood location on an investment property has been approved - Due Diligence Vendor-05/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Low LTV 65.22% Good DSCR 1.396x |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9097861 | |||
| 177438 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-05-08 01:22 | 2026-05-12 08:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/12/2026 Resolved-The Final 1003 is Missing - Due Diligence Vendor-05/12/2026 Ready for Review-attached - Due Diligence Vendor-05/12/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-05/08/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/12/2026 Resolved-The Final 1003 is Missing - Due Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 113.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.50 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9097731 | ||||
| 894034 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 969577 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 849953 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 476017 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 708591 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 375201 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 233040 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 523618 | C | A | C | A | C | A | A | A | Closed | FCRE1500 | 2026-05-14 15:45 | 2026-05-18 16:04 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-US Patriot Act form attached. - Due Diligence Vendor-05/16/2026 Open-Missing a valid ID such as a drivers license, passport, or a fully executed USA Patrot Act form. - Due Diligence Vendor-05/14/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9206629 | |||||
| 523618 | C | A | C | A | C | A | A | A | Closed | finding-3634 | 2026-05-14 18:17 | 2026-05-18 07:57 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Initial LE uploaded to other condition. - Due Diligence Vendor-05/16/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Service Provider List. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/14/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9209759 | |||||
| 523618 | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2026-05-14 18:17 | 2026-05-18 07:57 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Initial LE attached. - Due Diligence Vendor-05/16/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Service Provider List. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/14/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9209760 | ||||
| 523618 | C | A | C | A | C | A | A | A | Closed | finding-3632 | 2026-05-14 18:17 | 2026-05-18 07:57 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Initial LE uploaded to other condition. - Due Diligence Vendor-05/16/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Service Provider List. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/14/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9209761 | |||||
| 523618 | C | A | C | A | C | A | A | A | Closed | finding-3635 | 2026-05-14 18:17 | 2026-05-18 07:57 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Initial LE uploaded to other condition. - Due Diligence Vendor-05/16/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Service Provider List. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/14/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% xxx exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9209762 | |||||
| 523618 | C | A | C | A | C | A | A | A | Closed | finding-3515 | 2026-05-14 18:17 | 2026-05-18 07:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Initial LE uploaded to other condition. - Due Diligence Vendor-05/16/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Service Provider List. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/14/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received ILE - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9209763 | |||||
| 523618 | C | A | C | A | C | A | A | A | Closed | FCOM1621 | 2026-05-14 18:28 | 2026-05-18 07:50 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved **Received disclosure - Due Diligence Vendor-05/18/2026 Ready for Review-Initial Escrow Account Disclosure Statement attached. - Due Diligence Vendor-05/16/2026 Open-******The Initial Escrow Account Disclosure was not provided in file. - Due Diligence Vendor-05/14/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved **Received disclosure - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9209947 | ||||
| 203421 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 137983 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 784952 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 336620 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 423522 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 211231 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 678631 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 737616 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 979201 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-05-15 05:19 | 2026-05-19 15:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided with updated disbursement date. - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Final SS and PCCD showing loan Funded on xxx - Due Diligence Vendor-05/18/2026 Open-HOI Policy effective date is xxx however Final CD reflects Disbursement date as xxx - No PCCD in loan file, Missing Updated HOI policy. - Due Diligence Vendor-05/18/2026 Rescinded-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. Age of documentation grace period in effect to close file - Due Diligence Vendor-05/15/2026 |
Resolved-PCCD provided with updated disbursement date. - Due Diligence Vendor-05/19/2026 Rescinded-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. Age of documentation grace period in effect to close file - Due Diligence Vendor-05/15/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 85.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 26.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9213258 | ||||
| 979201 | C | A | C | A | C | A | A | A | Closed | FCRE1182 | 2026-05-15 06:44 | 2026-05-19 15:42 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-05/18/2026 Open-1008/Underwriting Summary Not Provided 1008 missing from file at time of review. Please provide a copy to the file. - Due Diligence Vendor-05/15/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 85.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 26.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9216373 | ||||
| 979201 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-05-18 06:26 | 2026-05-19 13:15 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received PCCD - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-05/18/2026 Open-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/18/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 85.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 26.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9246048 | ||||
| 248382 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-05-15 23:14 | 2026-05-19 14:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Initial CD. - Due Diligence Vendor-05/18/2026 Open-*** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/16/2026 |
Resolved-***Received ICD - Due Diligence Vendor-05/19/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9238967 | ||||
| 155652 | D | A | A | A | D | A | A | A | Closed | FCOM8891 | 2026-05-18 09:54 | 2026-05-19 12:24 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Final CD. - Due Diligence Vendor-05/18/2026 Open-**** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/18/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.27 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9248892 | ||||
| 155652 | D | A | A | A | D | A | A | A | Closed | finding-3939 | 2026-05-18 09:52 | 2026-05-19 12:22 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/19/2026 Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Revised LE for Rate Lock - Due Diligence Vendor-05/18/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.27 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9248836 | ||||
| 155652 | D | A | A | A | D | A | A | A | Closed | finding-3652 | 2026-05-18 09:52 | 2026-05-19 12:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/19/2026 Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Final CD. - Due Diligence Vendor-05/18/2026 Open-**** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/18/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.27 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9248837 | ||||
| 155652 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-05-15 17:14 | 2026-05-19 12:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Final CD. - Due Diligence Vendor-05/18/2026 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/15/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.27 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9232084 | ||||
| 150151 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-18 14:38 | 2026-05-20 14:07 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/20/2026 Resolved- - Due Diligence Vendor-05/20/2026 Ready for Review-PCCD attached - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/18/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/20/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.44 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.37 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9257448 | ||||
| 589144 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 114769 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 448698 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-05-18 14:50 | 2026-05-19 16:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-US Patriot Act form attached. - Due Diligence Vendor-05/19/2026 Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 United States identification or USA Patriot Act Identification Verification evidencing borrower's identification information Is missing. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9257802 | |||||
| 492464 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 637249 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 133537 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-05-19 09:19 | 2026-05-20 14:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD - Due Diligence Vendor-05/20/2026 Resolved- - Due Diligence Vendor-05/20/2026 Ready for Review-See attached LEs and Initial CD - Due Diligence Vendor-05/19/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except xxx and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation provided does not contain the Initial Closing Disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-***Received ICD - Due Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.44 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.06% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9272735 | ||||
| 252344 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 135294 | C | A | B | A | A | A | C | A | Closed | FPRO9939 | 2026-05-18 07:06 | 2026-05-19 15:59 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-05/19/2026 Ready for Review-See attached CDA. - Due Diligence Vendor-05/18/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.9) - Due Diligence Vendor-05/18/2026 |
Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-05/19/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.55% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9246419 | ||||
| 135294 | C | A | B | A | A | A | C | A | Closed | FCRE1182 | 2026-05-18 07:06 | 2026-05-19 15:57 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/19/2026 Ready for Review-See attached Transmittal Summary (1008). - Due Diligence Vendor-05/18/2026 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-05/18/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/19/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.55% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9246415 | ||||
| 953108 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-05-19 02:23 | 2026-05-20 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/20/2026 Ready for Review-xxx Sale Escrow Instructions attached. - Due Diligence Vendor-05/20/2026 Open-Purchase Contract Is Missing Unable to locate purchase agreement for subject property of xxx - Due Diligence Vendor-05/19/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9267847 | ||||
| 953108 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-05-19 02:50 | 2026-05-20 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2026 Ready for Review-EOI attached. - Due Diligence Vendor-05/20/2026 Open-Missing Hazard Insurance Policy Hazard Insurance Policy is missing from the file, only Flood declaration is found. - Due Diligence Vendor-05/19/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9268025 | ||||
| 329050 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 916277 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2026-05-19 09:58 | 2026-05-20 06:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/20/2026 Ready for Review-See attached Warranty Deed. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Deed transferring titleholder from xxx to xxx - Due Diligence Vendor-05/19/2026 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9273624 | ||||
| 219384 | D | A | A | A | D | A | A | A | Closed | FCOM8891 | 2026-05-20 09:16 | 2026-05-21 14:00 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-**Received FCD - Due Diligence Vendor-05/21/2026 Ready for Review-Signed closing CD attached. - Due Diligence Vendor-05/20/2026 Open-*** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/20/2026 |
Resolved-**Received FCD - Due Diligence Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9297317 | ||||
| 219384 | D | A | A | A | D | A | A | A | Closed | finding-1124 | 2026-05-20 08:52 | 2026-05-21 13:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | Resolved-**Received FCD - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the high-cost home loan points and fees threshold test. (xxx xxx 75, § 3.) , (xxx xxx 279, § 2.)The total points and fees of this loan, which are xxx, exceed one of the following thresholds based on the total loan amount, which is xxx:Either the total points and fees exceed 4.5% of the total loan amount if the total loan amount is xxx or more; orThe total points and fees exceed 6% of the total loan amount if the total loan amount is xxx or more but less than xxx; orThe total points and fees exceed the lesser of 6% of the total loan amount or xxx, if the total loan amount is less than xxx - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-**Received FCD - Due Diligence Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9295623 | |||||
| 219384 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-05-19 23:33 | 2026-05-21 13:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/21/2026 Ready for Review-Uploaded to other CD condition. - Due Diligence Vendor-05/20/2026 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-05/20/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9290003 | |||||
| 219384 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-05-19 01:23 | 2026-05-21 08:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2026 Ready for Review-Final URLA attached. - Due Diligence Vendor-05/20/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-05/19/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9267431 | ||||
| 151255 | B | A | B | A | B | A | A | A | Closed | FCOM1621 | 2026-05-19 16:37 | 2026-05-21 13:01 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-05/21/2026 Ready for Review-IEADS attached. - Due Diligence Vendor-05/20/2026 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-05/20/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-05/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9286163 | ||||
| 151255 | B | A | B | A | B | A | A | A | Closed | FCRE1182 | 2026-05-19 05:10 | 2026-05-21 08:12 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/21/2026 Ready for Review-Final 1008 attached - Due Diligence Vendor-05/20/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/19/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9268767 | ||||
| 816532 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-05-19 09:44 | 2026-05-21 06:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/21/2026 Ready for Review-Seller credit addendum attached. - Due Diligence Vendor-05/20/2026 Open-Incomplete or unexecuted Purchase Contract. Missing the Amendment/Addendum indicating xxx seller credit to borrower at closing. The Purchase Contract indicates $0 seller credit to borrower but the Final Closing Disclosure, Final ALTA Settlement Statement and Seller's Closing Disclosure confirm the borrower received a xxx credit from the seller at closing. Lender to provide the fully executed Amendment/Addendum amending the seller credit to borrower from $0 to xxx. - Due Diligence Vendor-05/19/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9273287 | ||||
| 260304 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 306205 | D | A | D | A | C | A | A | A | Closed | FCOM1797 | 2026-05-19 13:52 | 2026-05-28 09:42 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received SSPL - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Buyer-05/27/2026 Open-**** Missing SSPL, unable to verify. ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/19/2026 |
Resolved-**Received SSPL - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Cover page.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9280723 | ||||
| 306205 | D | A | D | A | C | A | A | A | Closed | finding-3939 | 2026-05-19 13:46 | 2026-05-28 09:41 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received Revised LE - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-****** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved-***Received Revised LE - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9280551 | |||
| 306205 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-05-19 13:46 | 2026-05-28 09:41 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received Revised LE and Initial CD - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-***** The following charges have been either added or increased: Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved-***Received Revised LE and Initial CD - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Cover page.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9280552 | |||
| 306205 | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2026-05-19 13:46 | 2026-05-28 09:41 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received Revised LE and Initial CD - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Buyer-05/27/2026 Open-***** Finding in relation to missing documentation - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/19/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-***Received Revised LE and Initial CD - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Cover page.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9280553 | ||||
| 306205 | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2026-05-19 13:46 | 2026-05-28 09:41 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received Revised LE and Initial CD - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Buyer-05/27/2026 Open-***** Finding in relation to missing documentation - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/19/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-***Received Revised LE and Initial CD - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Cover page.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9280554 | ||||
| 306205 | D | A | D | A | C | A | A | A | Closed | finding-3635 | 2026-05-19 13:46 | 2026-05-28 09:41 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-***Received Revised LE and Initial CD and SSPL - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Buyer-05/27/2026 Open-**** Missing SSPL, unable to verify. ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-***Received Revised LE and Initial CD and SSPL - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Cover page.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9280555 | ||||
| 306205 | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2026-05-20 08:47 | 2026-05-22 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Buyer-05/22/2026 Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9295554 | ||||
| 700927 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-05-20 08:07 | 2026-05-21 12:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Buyer-05/20/2026 Open-Borrower 1 Gap Credit Report is Missing. Refresher required with 10 days prior to Consummation date. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.28 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9295069 | ||||
| 700927 | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2026-05-20 08:07 | 2026-05-21 12:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/21/2026 Ready for Review-Credit refresh uploaded to other condition. - Buyer-05/20/2026 Open-Borrower 2 Gap Credit Report is Missing. Refresher required with 10 days prior to Consummation date. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.28 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9295070 | |||||
| 960834 | D | A | C | A | D | A | A | A | Closed | FCOM1262 | 2026-05-19 15:14 | 2026-05-22 15:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-05/22/2026 Ready for Review-Signed NRTC attached. - Due Diligence Vendor-05/21/2026 Open-Right of Rescission is Missing - Due Diligence Vendor-05/20/2026 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-05/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9283392 | ||||
| 960834 | D | A | C | A | D | A | A | A | Closed | FCRE1500 | 2026-05-20 12:28 | 2026-05-21 16:55 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-05/21/2026 Ready for Review-US Patriot Act Form attached. - Due Diligence Vendor-05/21/2026 Open-Missing Borrower USA Patriot Act or Drivers License. Only Non Perm Resident card was provided. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9304493 | |||||
| 617069 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 602046 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 709683 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 336584 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-05-20 19:09 | 2026-05-22 15:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 Ready for Review-PCCD attached - Due Diligence Vendor-05/21/2026 Open-****** Borrower executed documents on xxx. After Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/20/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.22 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9314303 | ||||
| 336584 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-05-22 15:31 | 2026-05-22 15:35 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.22 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9355698 | |||||
| 773212 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 523988 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 675731 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-05-21 11:52 | 2026-05-22 11:42 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU (UCDP) of 2.3 provided - Guidelines state: One (1) Full Appraisal + CDA* if both CU and LCA scores exceed 2.5 (CU 2.3 & LCA 3) - Due Diligence Vendor-05/22/2026 Ready for Review-xxx SSR with 2.3 CU score attached. - Due Diligence Vendor-05/21/2026 Open-LCA score in file is 3. No additional review products provided. Provide 3rd party valuation. - Due Diligence Vendor-05/21/2026 |
Resolved-CU (UCDP) of 2.3 provided - Guidelines state: One (1) Full Appraisal + CDA* if both CU and LCA scores exceed 2.5 (CU 2.3 & LCA 3) - Due Diligence Vendor-05/22/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9326931 | |||||
| 681293 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 426651 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 659712 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 567606 | C | A | A | A | C | A | A | A | Closed | finding-651 | 2026-05-26 10:16 | 2026-06-11 09:38 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 Counter- - Due Diligence Vendor-06/11/2026 Counter-***Lender provided duplicate copy of what appears to be a Post Close CD with an issued date of xxx but executed xxx as the Final CD; Same copy is in the original file. Lender to provide explanation. - Due Diligence Vendor-06/10/2026 Counter-***Received revised CD issued xxx. We are still missing a copy of the Final CD disclosed to the borrower at closing. Lender to provide a copy for review and to complete compliance testing. - Due Diligence Vendor-06/08/2026 Open-Closing Disclosures provided include CD issued xxx @ 7.125% and APR 7.491%. And PCCD issued xxx @7.5% and APR 7.754%. (if these are the only CD's issued on this file there are Material Violations for Total of Payments, Finance Charges and APR increase without new wait period.)~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you" - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9370448 | |||||
| 567606 | C | A | A | A | C | A | A | A | Closed | finding-14 | 2026-05-26 10:16 | 2026-06-11 09:38 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA APR Test | Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 Counter- - Due Diligence Vendor-06/11/2026 Counter-***Lender provided duplicate copy of what appears to be a Post Close CD with an issued date of xxx but executed xxx as the Final CD; Same copy is in the original file. Lender to provide explanation. - Due Diligence Vendor-06/10/2026 Counter-***Received revised CD issued xxx. We are still missing a copy of the Final CD disclosed to the borrower at closing. Lender to provide a copy for review and to complete compliance testing. - Due Diligence Vendor-06/08/2026 Open-Closing Disclosures provided include CD issued xxx @ 7.125% and APR 7.491%. And PCCD issued xxx @7.5% and APR 7.754%. (if these are the only CD's issued on this file there are Material Violations for Total of Payments, Finance Charges and APR increase without new wait period.)~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you" - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )The annual percentage rate (APR) is 7.872%. The disclosed APR of 7.491% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9370455 | |||||
| 567606 | C | A | A | A | C | A | A | A | Closed | finding-3734 | 2026-05-26 10:16 | 2026-06-11 09:38 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 Counter- - Due Diligence Vendor-06/11/2026 Counter-***Lender provided duplicate copy of what appears to be a Post Close CD with an issued date of xxx but executed xxx as the Final CD; Same copy is in the original file. Lender to provide explanation. - Due Diligence Vendor-06/10/2026 Counter-***Received revised CD issued xxx. We are still missing a copy of the Final CD disclosed to the borrower at closing. Lender to provide a copy for review and to complete compliance testing. - Due Diligence Vendor-06/08/2026 Open-Closing Disclosures provided include CD issued xxx @ 7.125% and APR 7.491%. And PCCD issued xxx @7.5% and APR 7.754%. (if these are the only CD's issued on this file there are Material Violations for Total of Payments, Finance Charges and APR increase without new wait period.)~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you" - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the TRID foreclosure rescission total of payments test. ( 12 CFR §1026.23(h)(2)(ii) )The total of payments is xxx. The disclosed total of payments charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9370457 | |||||
| 567606 | C | A | A | A | C | A | A | A | Closed | finding-3542 | 2026-05-26 11:08 | 2026-06-11 09:38 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 Counter- - Due Diligence Vendor-06/11/2026 Counter-***Lender provided duplicate copy of what appears to be a Post Close CD with an issued date of xxx but executed xxx as the Final CD; Same copy is in the original file. Lender to provide explanation. - Due Diligence Vendor-06/10/2026 Counter-***Received revised CD issued xxx. We are still missing a copy of the Final CD disclosed to the borrower at closing. Lender to provide a copy for review and to complete compliance testing. - Due Diligence Vendor-06/08/2026 Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Closing Disclosures provided include CD issued xxx @ 7.125% and APR 7.491%. And PCCD issued xxx @7.5% and APR 7.754%. (if these are the only CD's issued on this file there are Material Violations for Total of Payments, Finance Charges and APR increase without new wait period.)~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you" - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9372376 | |||||
| 567606 | C | A | A | A | C | A | A | A | Closed | finding-3732 | 2026-05-26 10:16 | 2026-06-11 09:38 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-CD signed by borrower at closing attached. - Due Diligence Vendor-06/11/2026 Counter-***Lender provided duplicate copy of what appears to be a Post Close CD with an issued date of xxx but executed xxx as the Final CD; Same copy is in the original file. Lender to provide explanation. - Due Diligence Vendor-06/10/2026 Ready for Review-Closing CD attached - Due Diligence Vendor-06/08/2026 Counter-***Received revised CD issued xxx. We are still missing a copy of the Final CD disclosed to the borrower at closing. Lender to provide a copy for review and to complete compliance testing. - Due Diligence Vendor-06/08/2026 Ready for Review-COC & CD redisclosure dated xxx attached - Due Diligence Vendor-06/06/2026 Open-Closing Disclosures provided include CD issued xxx @ 7.125% and APR 7.491%. And PCCD issued xxx @7.5% and APR 7.754%. (if these are the only CD's issued on this file there are Material Violations for Total of Payments, Finance Charges and APR increase without new wait period.)~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you" - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is xxx. The disclosed total of payments of xxx is not considered accurate because it is understated by more than xxx and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9370456 | ||||
| 567606 | C | A | A | A | C | A | A | A | Closed | finding-2504 | 2026-05-26 10:16 | 2026-06-11 09:38 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 Counter- - Due Diligence Vendor-06/11/2026 Counter-***Lender provided duplicate copy of what appears to be a Post Close CD with an issued date of xxx but executed xxx as the Final CD; Same copy is in the original file. Lender to provide explanation. - Due Diligence Vendor-06/10/2026 Counter-***Received revised CD issued xxx. We are still missing a copy of the Final CD disclosed to the borrower at closing. Lender to provide a copy for review and to complete compliance testing. - Due Diligence Vendor-06/08/2026 Open-Closing Disclosures provided include CD issued xxx @ 7.125% and APR 7.491%. And PCCD issued xxx @7.5% and APR 7.754%. (if these are the only CD's issued on this file there are Material Violations for Total of Payments, Finance Charges and APR increase without new wait period.)~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you" - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-FCD Provided, thank you - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9370460 | |||||
| 567606 | C | A | A | A | C | A | A | A | Closed | FCOM1292 | 2026-05-22 13:30 | 2026-06-08 11:58 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (new creditor with H-9 form type) | Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Creditor or Lender Affiliate Refinance is No) **Received correct executed NORTC - Due Diligence Vendor-06/08/2026 Ready for Review-H8 attached - Due Diligence Vendor-06/06/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (New creditor with H-9 form type). ~~~~ ****S/B H8****** Documentation provided includes an H9 Right to Cancel form. Lender has NOT been identified as either the current lender or the recorded original lender. The correct form should be an H8 - Due Diligence Vendor-05/26/2026 |
Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Creditor or Lender Affiliate Refinance is No) **Received correct executed NORTC - Due Diligence Vendor-06/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9352856 | ||||
| 698346 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 713880 | C | A | B | A | C | A | A | A | Closed | FCOM2276 | 2026-05-22 13:33 | 2026-06-03 11:12 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD - Due Diligence Vendor-06/03/2026 Ready for Review-Revised PCCD attached - Due Diligence Vendor-06/03/2026 Counter-Received same copy of the Final CD that is in the original file. Finding remains unresolved. The Final CD's disbursement date of xxx is prior to the closing date of xxx. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/27/2026 Ready for Review-See attached Final CD - Due Diligence Vendor-05/26/2026 Open-******* Borrower executed documents on xxx, and after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/22/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.16 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9352942 | ||||
| 713880 | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2026-05-21 06:57 | 2026-05-27 10:29 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/27/2026 Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-05/26/2026 Open-1008/Underwriting Summary Not Provided The 1008/Underwriting Summary was not found in the file - Due Diligence Vendor-05/22/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.16 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9318838 | ||||
| 589591 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 296617 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 127994 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 538669 | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2026-05-22 02:20 | 2026-05-28 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-Valid DL provided - Due Diligence Vendor-05/28/2026 Ready for Review-See attached copy of USA Patriot Act along with copy of DL. - Due Diligence Vendor-05/27/2026 Open-The USA PATRIOT ACT document pg 167 for Borrower 1 appears to have the expiration date crossed out and corrected, except the editing is illegible and the new expiration date is unclear (system currently reflects original date of xxx). File needs a copy of B1's ID or legible copy of Patriot Act disclosure - Due Diligence Vendor-05/22/2026 |
Resolved-Valid DL provided - Due Diligence Vendor-05/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9339726 | ||||
| 272539 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-05-27 11:12 | 2026-06-03 08:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-06/03/2026 Ready for Review-COC uploaded to other condition. - Due Diligence Vendor-06/03/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx. Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.03 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.03 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9398530 | |||||
| 272539 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-05-27 11:12 | 2026-06-03 08:32 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-06/03/2026 Ready for Review-COC attached. - Due Diligence Vendor-06/03/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.03 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.03 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9398531 | ||||
| 272539 | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2026-05-27 11:12 | 2026-06-03 08:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received COC - Due Diligence Vendor-06/03/2026 Ready for Review-COC uploaded to other condition. - Due Diligence Vendor-06/03/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx. Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.03 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.03 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9398532 | |||||
| 114377 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-05-27 03:00 | 2026-06-10 10:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.17 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/10/2026 Ready for Review-No gift funds were utilized. See updated 1003 showing no gift funds. See updated 1008 reflecting actual funds to close, and updated account transaction history showing remaining funds after closing iao xxx. - Due Diligence Vendor-06/08/2026 Counter-The condition is for Reserves however a Tax cert was provided - 2 part condition - (1) The PCCD reflects EMD of xxx, then a Refund of EMD xxx and additional funds of xxx - the PCCD reflects the total CTC provided was xxx - Loan still short reserves. (2) there is a Gift Letter in the Loan file however No supporting docs verifying the available balance from Donor, Final 1003 states not deposited iao xxx that's being Included in the Totals above. if no gift was used, additional conditions may apply. - Due Diligence Vendor-06/08/2026 Ready for Review-See attached tax xxx xxx based on actual tax bill for subject property with taking the purchase price of xxx into consideration. - Due Diligence Vendor-06/06/2026 Counter-Document Uploaded. 2 part condition - (1) The PCCD reflects EMD of xxx, then a Refund of EMD xxx and additional funds of xxx - the PCCD reflects the total CTC provided was xxx - Loan still short reserves. (2) there is a Gift Letter in the Loan file however No supporting docs verifying the available balance from Donor, Final 1003 states not deposited iao xxx that's being Included in the Totals above. if no gift was used, additional conditions may apply. - Due Diligence Vendor-06/04/2026 Ready for Review-See PCCD showing cash back to borrower xxx - Due Diligence Vendor-06/03/2026 Open-Audited Reserves of 2.95 are less than Guideline Required Reserves of 3 -- the lender used an xxxfor the subject's taxes. Using 1.25% of the assessed value of the purchase price/appraised value for the subject loans taxes comes out to xxx monthly and increases the subject PITI from original calculation - Due Diligence Vendor-05/27/2026 |
Resolved-Audited Reserves of 3.17 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/10/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9388032 | ||||
| 114377 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-05-27 05:03 | 2026-06-04 08:27 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-***Received PCCD - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Resolved-xxx per diem disclosure provided - Due Diligence Vendor-06/02/2026 Ready for Review-xxx Per Diem Disclosure attached. - Due Diligence Vendor-05/30/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/04/2026 Resolved-xxx per diem disclosure provided - Due Diligence Vendor-06/02/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9389024 | ||||
| 114377 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-05-27 05:13 | 2026-06-01 20:44 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/02/2026 Ready for Review-ICD attached - Due Diligence Vendor-05/30/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/27/2026 |
Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/02/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9389206 | ||||
| 693453 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 693790 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-05-26 04:00 | 2026-06-03 15:04 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/03/2026 Ready for Review-1004D attached - Due Diligence Vendor-06/03/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Appraiser noted the following repairs needed to be completed removal of the stove in the wet bar area and the following; DAMAGED EXTERIOR SIDING xxx; STORAGE ROOF EAVE xxx; COVERED PATIO EAVE/ROOF/SIDING REPAIR xxx; TERMITE DAMAGE INTERIOR WALL xxx There was a Termite inspection included in loan file but no completion report - Due Diligence Vendor-05/26/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9364404 | ||||
| 460899 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 684714 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-05-27 13:36 | 2026-06-11 09:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-Corrective mortgaged with PUD Rider attached. - Due Diligence Vendor-06/10/2026 Open-PUD Rider is Missing - Due Diligence Vendor-05/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9403194 | |||||
| 754039 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-06-02 01:02 | 2026-06-04 10:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/04/2026 Ready for Review-Consummation CD attached. - Due Diligence Vendor-06/03/2026 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, or PCCD -- verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. IED provided supports this is required. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/02/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9492685 | ||||
| 754039 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-06-02 00:54 | 2026-06-04 09:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/04/2026 Ready for Review-Final 1003 attached. - Due Diligence Vendor-06/03/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-06/02/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9492638 | ||||
| 694975 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 548355 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 238915 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-05-27 06:09 | 2026-06-01 12:04 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-06/01/2026 Ready for Review-Uploaded ICD to other condition. - Due Diligence Vendor-05/30/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/28/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/27/2026 |
Resolved-***Received ICD - Due Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9391184 | |||||
| 238915 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-05-28 15:42 | 2026-06-01 11:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD - Due Diligence Vendor-06/01/2026 Resolved- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Ready for Review-Initial CD attached. - Due Diligence Vendor-05/30/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/28/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-***Received ICD - Due Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9432014 | ||||
| 238915 | C | A | A | A | C | A | A | A | Closed | finding-4001 | 2026-06-01 11:35 | 2026-06-01 11:57 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Received ICD - Due Diligence Vendor-06/01/2026 Resolved- - Due Diligence Vendor-06/01/2026 Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-Received ICD - Due Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9480473 | |||||
| 814240 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 805550 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 939771 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 690163 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 444008 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 324439 | D | A | A | A | D | A | A | A | Closed | finding-3652 | 2026-05-27 08:43 | 2026-06-03 15:33 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-**Received COC - Due Diligence Vendor-06/03/2026 Resolved- - Due Diligence Vendor-06/03/2026 Ready for Review-Detailed COC attached. - Due Diligence Vendor-06/03/2026 Counter-COC form does not support change of circumstance event detail, reason for pricing increase. - Due Diligence Vendor-06/02/2026 Ready for Review-COC for lock update on xxx attached. - Due Diligence Vendor-05/30/2026 Open-**** The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9394465 | ||||
| 324439 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-05-27 01:55 | 2026-06-01 13:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/01/2026 Ready for Review-Initial 1003 attached. - Due Diligence Vendor-05/30/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-05/27/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |
The Initial 1003 is Missing | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9387531 | |||
| 615582 | D | A | D | A | D | A | A | A | Closed | FCRE9959 | 2026-06-02 02:05 | 2026-06-03 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/03/2026 Ready for Review-Closing CD attached - Due Diligence Vendor-06/03/2026 Open-Missing Final Settlement Statement/equivalent Only initial CD is on file, please provide fully executed copy of final cd. - Due Diligence Vendor-06/02/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9493174 | ||||
| 615582 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-06-02 01:45 | 2026-06-03 09:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/03/2026 Ready for Review-Final 1003 attached - Due Diligence Vendor-06/03/2026 Open-The Final 1003 is Missing Final 1003 is missing from upload package - please provide - Due Diligence Vendor-06/02/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9493006 | ||||
| 284091 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 266186 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 919734 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 399899 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 682487 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 865605 | A | A | A | A | A | A | A | A | Seller | FVAL9739 | 2026-05-28 08:39 | 2026-07-14 14:31 | Counter | 1 - Information | A | A | Property | Appraisal | Property/Appraisal General | Counter-Missing Corrected Security Instrument and riders "executed by borrower", page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from title confirming they will re-execute/re-record - Due Diligence Vendor-07/14/2026 Ready for Review-See re-executed Note - Due Diligence Vendor-07/13/2026 Counter-Documentation provided is insufficient. Documentation required for resolution include: Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-07/01/2026 Ready for Review-Reached out to Title/Escrow- commented that documents do not need to be re-executed nor re-recorded as legal description is accurate and that is what's used for recording. - Due Diligence Vendor-07/01/2026 Counter-Please return once copies have been signed. - Due Diligence Vendor-06/30/2026 Ready for Review-Note attached - Due Diligence Vendor-06/30/2026 Counter-Please provide signed copies of note, mortgage, etc with corrected zip code. - Due Diligence Vendor-06/30/2026 Ready for Review-see attached Note and DOT - Due Diligence Vendor-06/29/2026 Open-Property/Appraisal General. Zip code on appraisal/flood cert/hazard policy, xxx, does not match the zip code on the Note of xxx. - Due Diligence Vendor-05/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 235.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9419136 | |||||
| 503588 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 570484 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 478739 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 989549 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 335071 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-05-28 07:03 | 2026-06-04 09:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/04/2026 Ready for Review-Initial 1003 uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-05/28/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9417522 | |||||
| 335071 | D | A | A | A | D | A | A | A | Closed | FCOM7298 | 2026-05-28 09:48 | 2026-06-04 09:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Initial Disclosure Package | Resolved-***Received missing disclosures - Due Diligence Vendor-06/04/2026 Ready for Review-Complete initial disclosures package with e-sign audit trail showing mailed to borrower on xxx attached. - Due Diligence Vendor-06/03/2026 Open-All Initial Disclosures Missing - Due Diligence Vendor-05/28/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9420836 | ||||
| 335071 | D | A | A | A | D | A | A | A | Closed | finding-3526 | 2026-06-01 07:24 | 2026-06-04 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9475888 | |||||
| 335071 | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2026-06-01 07:24 | 2026-06-04 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9475889 | |||||
| 335071 | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2026-06-01 07:24 | 2026-06-04 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9475890 | |||||
| 335071 | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2026-06-01 07:24 | 2026-06-04 09:30 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-***Received ILE - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9475891 | |||||
| 335071 | D | A | A | A | D | A | A | A | Closed | finding-3635 | 2026-06-01 07:24 | 2026-06-04 09:22 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9475892 | |||||
| 335071 | D | A | A | A | D | A | A | A | Closed | finding-3515 | 2026-06-01 07:24 | 2026-06-04 09:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9475893 | |||||
| 335071 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-05-28 09:31 | 2026-06-04 09:12 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/04/2026 Ready for Review-Homeownership Counseling Disclosure uploaded with complete initial disclosures attached to other condition. - Due Diligence Vendor-06/03/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/01/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9420408 | |||||
| 967300 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 813669 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 660269 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-02 02:21 | 2026-06-11 13:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.1 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/11/2026 Ready for Review-See attached updated 1003 and additional bank acct statement showing additional reserves. - Due Diligence Vendor-06/10/2026 Open-Audited Reserves of 2.83 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-06/02/2026 |
Resolved-Audited Reserves of 3.1 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.30 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9493339 | ||||
| 337339 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 514867 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 850784 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 687688 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 733774 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 378133 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-06-02 01:05 | 2026-06-05 08:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-See PCCD uploaded to other condition. Verified assets - xxx (incl gift funds) Cash brought into closing - xxx (borr own funds) + xxx (gift) = xxx Borr assets after closing - xxx + cash back from closing xxx = xxx > xxx required reserves. - Due Diligence Vendor-06/04/2026 Open-Audited Reserves of 1.05 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-06/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 64.95% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 37.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
At time of review using assets from statement dated xxx vs 1008 which used asset balances from xxx. This has created reserves less than required. Please provide documentation to support required reserves. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9492697 | |||||
| 378133 | C | A | C | A | C | A | A | A | Closed | FCOM2276 | 2026-06-02 17:16 | 2026-06-04 13:39 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 Ready for Review-PCCD attached - Due Diligence Vendor-06/04/2026 Open-Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-06/02/2026 |
Resolved-PCCD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 64.95% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 37.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9516472 | ||||
| 439349 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 796549 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 973739 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 311450 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 646496 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-02 10:03 | 2026-06-09 01:03 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 |
Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.40 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9502464 | |||||
| 646496 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-06-02 18:19 | 2026-06-09 01:00 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 Resolved- - Due Diligence Vendor-06/09/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.40 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9518021 | |||||
| 646496 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-06-02 18:19 | 2026-06-09 01:00 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 Resolved- - Due Diligence Vendor-06/09/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.40 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9518022 | |||||
| 646496 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-06-02 18:19 | 2026-06-09 01:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 Resolved- - Due Diligence Vendor-06/09/2026 Ready for Review-Initial CD attached. - Due Diligence Vendor-06/06/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.40 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9518023 | ||||
| 646496 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-02 18:19 | 2026-06-09 01:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 Resolved- - Due Diligence Vendor-06/09/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.40 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9518024 | |||||
| 646496 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-02 18:19 | 2026-06-09 01:00 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 Resolved- - Due Diligence Vendor-06/09/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-ICD provided with Loan Amount xxx / Sales price xxx (70% LVT) Final Closing Disclosure Loan Amount Increased to xxx sales price xxx (75% LTV) --- COC for pricing and Loan Amount increase/Origination increase - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.40 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.41 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9518025 | |||||
| 817653 | D | A | D | A | A | A | A | A | Closed | FCRE1472 | 2026-06-02 14:21 | 2026-06-05 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-06/05/2026 Ready for Review-Gift letter attached. - Due Diligence Vendor-06/04/2026 Open-Asset 6 Missing Missing Gift letter for xxx per final 1003. - Due Diligence Vendor-06/02/2026 |
Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9511735 | ||||
| 793848 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 212002 | D | A | D | A | A | A | A | A | Closed | FCRE1500 | 2026-06-02 14:42 | 2026-06-04 14:53 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-USA Patriot Act provided - Due Diligence Vendor-06/04/2026 Ready for Review-US Patriot Act Form attached. - Due Diligence Vendor-06/04/2026 Open-Missing borrowers identification - Due Diligence Vendor-06/02/2026 |
Resolved-USA Patriot Act provided - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9512194 | ||||
| 212002 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-06-03 09:30 | 2026-06-04 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Certificate of Occupancy provided - Due Diligence Vendor-06/04/2026 Ready for Review-Occupancy Statement attached. - Due Diligence Vendor-06/04/2026 Open-Missing Certificate of Occupancy - Due Diligence Vendor-06/03/2026 |
Resolved-Certificate of Occupancy provided - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9526746 | ||||
| 752428 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-02 04:46 | 2026-06-04 07:03 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2026 Ready for Review-final 1008 attached - Due Diligence Vendor-06/03/2026 Open-1008/Underwriting Summary Not Provided 1008 missing from upload package - please provide - Due Diligence Vendor-06/02/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.98% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9494350 | ||||
| 623814 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 175757 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 797019 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 916726 | C | A | C | A | C | A | A | A | Closed | FCOM2276 | 2026-06-02 19:04 | 2026-06-08 15:44 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-Received PCCD - Due Diligence Vendor-06/08/2026 Ready for Review-PCCD attached - Due Diligence Vendor-06/06/2026 Open-Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-06/02/2026 |
Resolved-Received PCCD - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 73.15% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9518770 | ||||
| 916726 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-06-02 06:10 | 2026-06-08 15:38 | Resolved | 1 - Information | A | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-***Received PCCD - Due Diligence Vendor-06/08/2026 Resolved- - Due Diligence Vendor-06/08/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-06/08/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. ******xxx PER DIEM INTEREST DISCLOSURE located on pg 56. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/08/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. ******xxx PER DIEM INTEREST DISCLOSURE located on pg 56. - Due Diligence Vendor-06/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 73.15% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9497791 | |||||
| 916726 | C | A | C | A | C | A | A | A | Closed | finding-3532 | 2026-06-02 18:58 | 2026-06-08 15:27 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-06/08/2026 Resolved-ICD received. Thank you - Due Diligence Vendor-06/04/2026 Ready for Review-Initial CD attached. - Due Diligence Vendor-06/04/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-ICD received. Thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 73.15% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9518601 | ||||
| 916726 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-06-02 05:30 | 2026-06-05 08:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.56 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-06/05/2026 Ready for Review-Per xxx guidelines dated xxx, 0 reserves required for loan amount less than xxx and less than 75% LTV. - Due Diligence Vendor-06/04/2026 Open-Audited Reserves of 2.56 are less than Guideline Required Reserves of 3 Audited Reserves of are less than Guideline Required Reserves of 3. At time of review BR was short reserves as required by guidelines. There was no exception in file at time of review to allow less than 3 months. Please provide the required documentation to support required reserves per guidelines - Due Diligence Vendor-06/02/2026 |
Resolved-Audited Reserves of 2.56 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 73.15% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9497379 | |||||
| 916726 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-06-02 06:09 | 2026-06-04 13:53 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received. Thank you - Due Diligence Vendor-06/04/2026 Ready for Review- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial CD uploaded to other condition. - Due Diligence Vendor-06/04/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/02/2026 |
Resolved-ICD received. Thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 73.15% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9497786 | |||||
| 635411 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 172708 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 144564 | C | A | C | A | C | A | A | A | Closed | finding-3634 | 2026-06-03 08:44 | 2026-06-11 09:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail, proof of knowledge timing, RLE provided. Thank you - Due Diligence Vendor-06/11/2026 Counter- - Due Diligence Vendor-06/11/2026 Counter-***Received COC with date of change of xxx. File does not contain a revised LE/CD issued within 3 business days of the date of change. - Due Diligence Vendor-06/09/2026 Ready for Review-COC for increased appraisal fee uploaded to other condition. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or _0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-COC event detail, proof of knowledge timing, RLE provided. Thank you - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9525930 | |||||
| 144564 | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2026-06-03 08:44 | 2026-06-11 09:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-COC event detail, proof of knowledge timing, RLE provided. Thank you - Due Diligence Vendor-06/11/2026 Counter- - Due Diligence Vendor-06/11/2026 Counter-***Received COC with date of change of xxx. File does not contain a revised LE/CD issued within 3 business days of the date of change. - Due Diligence Vendor-06/09/2026 Ready for Review-COC for increased appraisal fee uploaded to other condition. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or _0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-COC event detail, proof of knowledge timing, RLE provided. Thank you - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9525931 | |||||
| 144564 | C | A | C | A | C | A | A | A | Closed | finding-3632 | 2026-06-03 08:44 | 2026-06-11 09:24 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail, proof of knowledge timing, RLE provided. Thank you - Due Diligence Vendor-06/11/2026 Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-Revised LE dated xxx attached. - Due Diligence Vendor-06/11/2026 Counter-***Received COC with date of change of xxx. File does not contain a revised LE/CD issued within 3 business days of the date of change. - Due Diligence Vendor-06/09/2026 Ready for Review-See COC for increased appraisal fee. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or _0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-COC event detail, proof of knowledge timing, RLE provided. Thank you - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9525932 | ||||
| 144564 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-06-02 09:01 | 2026-06-08 14:59 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-06/08/2026 Ready for Review-PCCD attached - Due Diligence Vendor-06/06/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9501256 | ||||
| 144564 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-06-02 02:18 | 2026-06-08 13:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 1.01 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-06/08/2026 Ready for Review-Per xxx guidelines effective xxx, no reserves required on loan amount less than 1 million and less 75 % LTV - Due Diligence Vendor-06/06/2026 Open-Audited Reserves of 1.01 are less than Guideline Required Reserves of 3 Audited Reserves of 1.01 are less than the xxx Guideline Requirement of 3 months Reserves. Loan requires an additional xxx to meet reserve requirement, 1003 or loan file documentation do not support additional assets. - Due Diligence Vendor-06/02/2026 |
Resolved-Audited Reserves of 1.01 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9493302 | |||||
| 195741 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 277177 | C | A | C | A | C | A | A | A | Closed | FCRE1167 | 2026-06-02 01:05 | 2026-06-05 13:31 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/05/2026 Ready for Review-RCE attached - Due Diligence Vendor-06/04/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-06/02/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9492704 | ||||
| 277177 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-06-02 16:59 | 2026-06-04 14:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 Ready for Review-TRID Disclosures attached. - Due Diligence Vendor-06/04/2026 Open-Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9516166 | ||||
| 277177 | C | A | C | A | C | A | A | A | Closed | finding-4001 | 2026-06-03 16:25 | 2026-06-04 14:14 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 Ready for Review-Initial CD (Lock Disclosure) attached to other condition. - Due Diligence Vendor-06/04/2026 Open-***********• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 |
Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9541726 | |||||
| 277177 | C | A | C | A | C | A | A | A | Closed | finding-3652 | 2026-06-02 16:57 | 2026-06-04 14:13 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 Ready for Review-Initial CD (Lock Disclosure) attached to other condition. - Due Diligence Vendor-06/04/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits xxx. Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***********• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9516112 | |||||
| 277177 | C | A | C | A | C | A | A | A | Closed | finding-3532 | 2026-06-03 16:23 | 2026-06-04 14:13 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 Ready for Review-Initial CD attached to other condition. - Due Diligence Vendor-06/04/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. **** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-Locked ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9541673 | |||||
| 314494 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 643622 | D | A | A | A | D | A | A | A | Closed | finding-47 | 2026-06-03 12:14 | 2026-06-10 11:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-06/10/2026 Ready for Review-Updated PCCD attached - Due Diligence Vendor-06/08/2026 Counter-******* Borrower executed documents on xxx. Post Consummation Closing Disclosure provided in curative, indicates funding xxx, and prior to the end of Rescission period. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Consummation CD and CD redisclosure uploaded to other condition. - Due Diligence Vendor-06/04/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9535807 | ||||
| 643622 | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2026-06-02 13:22 | 2026-06-04 13:07 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 Ready for Review-Initial CD attached. - Due Diligence Vendor-06/04/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/02/2026 |
Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9510039 | ||||
| 643622 | D | A | A | A | D | A | A | A | Closed | finding-651 | 2026-06-03 12:14 | 2026-06-04 13:03 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Consummation CD and CD redisclosure uploaded to other condition. - Due Diligence Vendor-06/04/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9535808 | |||||
| 643622 | D | A | A | A | D | A | A | A | Closed | finding-3732 | 2026-06-03 12:14 | 2026-06-04 13:03 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review- - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review-Revised LEs dated xxx & xxx attached. - Due Diligence Vendor-06/04/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is xxx The disclosed total of payments of xxx is not considered accurate because it is understated by more than xxx and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9535810 | ||||
| 643622 | D | A | A | A | D | A | A | A | Closed | finding-3734 | 2026-06-03 12:14 | 2026-06-04 13:03 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review- - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review-Consummation CD and CD redisclosure uploaded to other condition. - Due Diligence Vendor-06/04/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 Open-This loan failed the TRID foreclosure rescission total of payments test. ( 12 CFR §1026.23(h)(2)(ii) )The total of payments is xxx The disclosed total of payments charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx- Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9535811 | |||||
| 643622 | D | A | A | A | D | A | A | A | Closed | finding-2504 | 2026-06-03 12:14 | 2026-06-04 13:03 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review-This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Consummation CD and CD redisclosure uploaded to other condition. - Due Diligence Vendor-06/04/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 Open-This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is xxx The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx- Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-all TRID disclosures (LEs & CDs), have been provided. - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9535812 | |||||
| 643622 | D | A | A | A | D | A | A | A | Closed | finding-3939 | 2026-06-03 12:14 | 2026-06-04 12:55 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked Loan Estimate dated xxx has been provided - Due Diligence Vendor-06/04/2026 Resolved- - Due Diligence Vendor-06/04/2026 Ready for Review-Lock LE attached. - Due Diligence Vendor-06/04/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-Locked Loan Estimate dated xxx has been provided - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9535809 | ||||
| 643622 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-06-02 02:13 | 2026-06-04 12:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/04/2026 Ready for Review-Final CD at consummation and redraw attached. - Due Diligence Vendor-06/04/2026 Open-TRID: Missing Final Closing Disclosure Provide Final Closing Disclosure for the subject property. However Currently have 3 and 4 pages missing 1 and 2 page . - Due Diligence Vendor-06/02/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9493245 | ||||
| 643622 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-06-02 13:21 | 2026-06-04 12:31 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/04/2026 Ready for Review-Homeownership Counseling Disclosure attached. - Due Diligence Vendor-06/04/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/02/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9509999 | ||||
| 643622 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-06-02 02:05 | 2026-06-04 09:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/04/2026 Ready for Review-Initial 1003 attached. - Due Diligence Vendor-06/04/2026 Open-The Initial 1003 is Missing Provide Initial 1003 for the borrower with all the required information. - Due Diligence Vendor-06/02/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9493167 | ||||
| 845169 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 562136 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-06-03 19:12 | 2026-06-04 09:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/04/2026 Ready for Review-Final 1003 attached - Due Diligence Vendor-06/04/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-06/03/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.91 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9545446 | ||||
| 551515 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-02 01:35 | 2026-06-08 13:17 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/08/2026 Ready for Review-1008 attached - Due Diligence Vendor-06/06/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/02/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9492905 | ||||
| 486722 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 351150 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 281916 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 405829 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 275750 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 975296 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-06-04 01:48 | 2026-06-08 08:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/08/2026 Ready for Review-Final 1003 attached. - Due Diligence Vendor-06/06/2026 Open-The Final 1003 is Missing -- initial 1003 in file dated xxx - Due Diligence Vendor-06/04/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9547746 | ||||
| 852004 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-06-03 05:51 | 2026-06-09 14:41 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/09/2026 Ready for Review-Updated credit refresh report attached. - Due Diligence Vendor-06/08/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report is 11 days, per guidelines needs to be within 10 days of the note date. Please provide document or exception - Due Diligence Vendor-06/03/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/09/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.67 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9523720 | ||||
| 291473 | C | A | C | A | A | A | A | A | Closed | FCRE1172 | 2026-06-03 08:29 | 2026-06-08 13:13 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-06/08/2026 Ready for Review-Property is a condo and HOA has master flood policy coverage attached. - Due Diligence Vendor-06/06/2026 Open-Flood Insurance Coverage Amount of xxx does not meet minimum required coverage amount. Please provide. - Due Diligence Vendor-06/03/2026 |
Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 20.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525546 | ||||
| 486489 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 474150 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-06-05 09:33 | 2026-06-09 00:46 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/09/2026 Resolved- - Due Diligence Vendor-06/09/2026 Ready for Review-Initial CD attached. - Due Diligence Vendor-06/06/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 |
Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-06/09/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9578024 | ||||
| 623774 | C | B | C | B | C | A | A | A | Closed | FCRE3874 | 2026-06-03 06:38 | 2026-06-12 09:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: The exception to proceed with a rural neighborhood location on Primary Residence property approved - Due Diligence Vendor-06/12/2026 Ready for Review-Please see formal exception write up - Due Diligence Vendor-06/11/2026 Counter-Missing Lenders Approved Exception form - Due Diligence Vendor-06/09/2026 Ready for Review-Exception approval attached - Due Diligence Vendor-06/08/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Provide lender approved exception - Due Diligence Vendor-06/04/2026 Rescinded-Primary Value Valuation Neighborhood Location Not Allowed for Program - Provide lender approved exception - Due Diligence Vendor-06/03/2026 |
Waived-Exception granted with supporting comp factors: The exception to proceed with a rural neighborhood location on Primary Residence property approved - Due Diligence Vendor-06/12/2026 Rescinded-Primary Value Valuation Neighborhood Location Not Allowed for Program - Provide lender approved exception - Due Diligence Vendor-06/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
strong credit profile with a FICO score of xxx, demonstrating a solid history of responsible credit management borrower demonstrates strong and stable income (Owner of xxx), supporting overall repayment capacity and reducing reliance on the collateral alone as the source of repayment (DTI 38%). Repayment ability is well supported by the borrower’s financial strength, while the property provides acceptable secondary repayment support in the event of default. |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9524167 | |||
| 623774 | C | B | C | B | C | A | A | A | Closed | FCOM4227 | 2026-06-03 14:15 | 2026-06-05 16:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD - Due Diligence Vendor-06/05/2026 Ready for Review-Initial CD attached. - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure ~~~Please provide complete TRID disclosure history and all TRID disclosures (CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/03/2026 |
Resolved-**Received ICD - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9538768 | ||||
| 623774 | C | B | C | B | C | A | A | A | Closed | finding-3532 | 2026-06-04 09:02 | 2026-06-05 16:20 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Initial CD uploaded to other condition. - Due Diligence Vendor-06/05/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ******Documentation provided does not contain the Initial Closing Disclosure ~~~Please provide complete TRID disclosure history and all TRID disclosures (CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 |
Resolved-***Received ICD - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9553467 | |||||
| 958409 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 757330 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 655336 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 641316 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-12 13:33 | 2026-06-17 09:16 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Ready for Review-see COC uploaded t - Due Diligence Vendor-06/16/2026 Counter-**Received missing disclosure. Updated compliance test resulted in additional findings. The Final Recording Fee increased to xxx exceeding the 10% threshold. The original file does not contain a CCO in relation to the increase. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.78% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9723535 | |||||
| 641316 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-12 13:33 | 2026-06-17 09:16 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Ready for Review-see COC uploaded. - Due Diligence Vendor-06/16/2026 Counter-**Received missing disclosure. Updated compliance test resulted in additional findings. The Final Recording Fee increased to xxx exceeding the 10% threshold. The original file does not contain a CCO in relation to the increase. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.78% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9723536 | |||||
| 641316 | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2026-06-12 13:33 | 2026-06-17 09:16 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received COC - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Ready for Review-see COC attached. - Due Diligence Vendor-06/16/2026 Counter-**Received missing disclosure. Updated compliance test resulted in additional findings. The Final Recording Fee increased to xxx exceeding the 10% threshold. The original file does not contain a CCO in relation to the increase. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.78% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9723537 | ||||
| 641316 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-04 14:04 | 2026-06-12 13:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures - Due Diligence Vendor-06/12/2026 Ready for Review-see attached closing disclosure - Due Diligence Vendor-06/12/2026 Counter-Documentation provided does not include the Initial Closing Disclosure and proof of delivery not less than 3 days prior to consummation. - Due Diligence Vendor-06/10/2026 Ready for Review-Initial Closing disclosure attached - Due Diligence Vendor-06/09/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/04/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-06/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.78% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9562057 | ||||
| 641316 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-06-04 09:34 | 2026-06-12 13:34 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-06/12/2026 Resolved-Locked Loan estimate received. Thank you - Due Diligence Vendor-06/10/2026 Ready for Review-Locked LE attached. - Due Diligence Vendor-06/09/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. Missing Locked LE / CD**** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 |
Resolved-Locked Loan estimate received. Thank you - Due Diligence Vendor-06/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.78% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9553997 | ||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCOM1229 | 2026-06-04 05:14 | 2026-07-06 12:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-07/01/2026 Ready for Review-DOT attached - Due Diligence Vendor-06/30/2026 Counter-Provide updated 1008/Loan approval and Rate Lock reflecting the updated loan amount of xxx - Due Diligence Vendor-06/09/2026 Ready for Review-1-4 Family Rider uploaded to other condition. - Due Diligence Vendor-06/08/2026 Counter-DOT with 1-4 Family Rider that was provided reflects a Loan amount of xxx however Lenders Loan approval and 1008 state Loan amount as xxx. Provide Documentation confirming the correct Loan amount/Terms of the Subject Loan. - Due Diligence Vendor-06/08/2026 Ready for Review-1-4 Family Rider uploaded to other condition with Mortgage. - Due Diligence Vendor-06/06/2026 Open-1-4 Family Rider is Missing 1-4 Family Rider/Assignment of Rents not on file. Please provide - Due Diligence Vendor-06/04/2026 |
Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-07/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9549019 | ||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCOM1206 | 2026-06-04 04:35 | 2026-07-01 08:01 | Resolved | 1 - Information | A | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-07/01/2026 Resolved- - Due Diligence Vendor-07/01/2026 Open-The Note is Missing Note document is missing - Due Diligence Vendor-06/04/2026 |
Resolved-The Note is Present - Due Diligence Vendor-07/01/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9548817 | |||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCOM0362 | 2026-06-04 14:36 | 2026-07-01 07:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-07/01/2026 Ready for Review-CD, lock confirmation, and final 1008 attached. - Due Diligence Vendor-06/30/2026 Counter-Provide updated 1008/Loan approval and Rate Lock reflecting the updated loan amount of xxx - Due Diligence Vendor-06/09/2026 Ready for Review-There was a redraw and incorrect set of docs were approved. See attached correct closing CD. - Due Diligence Vendor-06/08/2026 Counter-The CD that was provided reflects a Loan amount of xxx however Lenders Loan approval and 1008 state Loan amount as xxx. Provide Documentation confirming the correct Loan amount/Terms of the Subject Loan. - Due Diligence Vendor-06/08/2026 Ready for Review-Closing CD attached. - Due Diligence Vendor-06/06/2026 Open-No final cd or HUD-1 on file. Please provide - Due Diligence Vendor-06/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9562905 | |||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCOM1221 | 2026-06-04 14:35 | 2026-07-01 07:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-07/01/2026 Ready for Review-Deed of trust attached - Due Diligence Vendor-06/30/2026 Counter-Provide updated 1008/Loan approval and Rate Lock reflecting the updated loan amount of xxx - Due Diligence Vendor-06/09/2026 Ready for Review-DOT attached. - Due Diligence Vendor-06/08/2026 Counter-DOT that was provided reflects a Loan amount of xxx however Lenders Loan approval and 1008 state Loan amount as xxx. Provide Documentation confirming the correct Loan amount/Terms of the Subject Loan. - Due Diligence Vendor-06/08/2026 Ready for Review-Mortgage attached. - Due Diligence Vendor-06/06/2026 Open-Deed of trust was not uploaded with the loan package. Please provide. - Due Diligence Vendor-06/04/2026 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-07/01/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9562888 | ||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCOM5454 | 2026-06-04 14:38 | 2026-07-01 07:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Note is missing or unexecuted | Resolved- - Due Diligence Vendor-07/01/2026 Ready for Review-Final 1008 attached. - Due Diligence Vendor-06/30/2026 Counter-Provide updated 1008/Loan approval and Rate Lock reflecting the updated loan amount of xxx - Due Diligence Vendor-06/09/2026 Ready for Review-There was a redraw and incorrect set of docs were approved. See attached correct Note. - Due Diligence Vendor-06/08/2026 Counter-Note that was provided reflects a Loan amount of xxx however Lenders Loan approval and 1008 state Loan amount as xxx. Provide Documentation confirming the correct Loan amount/Terms of the Subject Loan. - Due Diligence Vendor-06/08/2026 Ready for Review-Note attached - Due Diligence Vendor-06/06/2026 Open-Note was not uploaded with the loan package. Please provide. - Due Diligence Vendor-06/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9562955 | |||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCRE0340 | 2026-06-04 14:40 | 2026-06-08 08:27 | Resolved | 1 - Information | C | A | Credit | Borrower | Stated Citizenship is Not Supported and/or Discrepancies present | Resolved-USA Patriot Act provided - Due Diligence Vendor-06/08/2026 Ready for Review-USA Patriot Act Form attached. - Due Diligence Vendor-06/06/2026 Open-Documentation in file does not support and/or match stated citizenship from 1003. Citizenship documentation (i.e. Patriot Act form) or identification missing from file upload. Please provide citizenship/ID documentation. - Due Diligence Vendor-06/04/2026 |
Resolved-USA Patriot Act provided - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9562977 | ||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCOM8844 | 2026-06-04 14:37 | 2026-06-08 08:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/08/2026 Ready for Review-Business purpose cert attached. - Due Diligence Vendor-06/06/2026 Open-Business Purpose Affidavit or similar not on file. Please provide - Due Diligence Vendor-06/04/2026 |
Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9562915 | ||||
| 671612 | D | A | C | A | D | A | A | A | Closed | FCOM1231 | 2026-06-04 04:44 | 2026-06-08 08:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/08/2026 Ready for Review-Initial 1003 attached. - Due Diligence Vendor-06/06/2026 Open- - Due Diligence Vendor-06/04/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-06/04/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9548862 | ||||
| 795298 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-06-04 07:40 | 2026-06-10 10:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/10/2026 Ready for Review-PCCD showing disbursement date of xxx attached. - Due Diligence Vendor-06/09/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. Please provide policy update for interim period. - Due Diligence Vendor-06/04/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9552314 | ||||
| 795298 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-06-04 14:33 | 2026-06-08 13:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Certificate of Occupancy provided - Due Diligence Vendor-06/08/2026 Ready for Review-Occupancy Statement attached. - Due Diligence Vendor-06/06/2026 Open-Certificate of Occupancy is missing - Due Diligence Vendor-06/04/2026 |
Resolved-Certificate of Occupancy provided - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9562852 | ||||
| 576195 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 641182 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 682341 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 492917 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-05 02:46 | 2026-08-27 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.83 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-08/27/2026 Ready for Review-bank statements attached - Due Diligence Vendor-08/26/2026 Counter-Bank statements do not have any borrowers name. will need statements w/ borrowers name to verify account ownership. Thank you! - Due Diligence Vendor-08/26/2026 Ready for Review-SEE TRANSACTION HISTORY ATTACHED - Due Diligence Vendor-08/25/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 The only assets reflected in the file are 3 Gift Fund Letters that equal the assets verified. Please provide documentation to support the required assets to close and reserves - Due Diligence Vendor-06/05/2026 |
Resolved-Audited Reserves of 9.83 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-08/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.27 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9572584 | ||||
| 492917 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-05 02:30 | 2026-08-27 13:26 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/27/2026 Ready for Review-see bank statements attached. - Due Diligence Vendor-08/26/2026 Counter-The bank statements received have no borrowers name. We will need statements that show borrowers name to verify account ownership. Thank you! - Due Diligence Vendor-08/26/2026 Ready for Review-transaction history for reserves attached - Due Diligence Vendor-08/25/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - The only assets reflected in the file are 3 Gift Fund Letters that equal the assets verified. Please provide documentation to support the required assets to close and reserves - Due Diligence Vendor-06/05/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.27 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9572446 | ||||
| 583413 | B | B | A | A | B | B | A | A | Seller | FCOM1266 | 2026-06-05 04:58 | 2026-06-10 11:31 | Counter | 2 - Non-Material | B | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Counter-The initial Disclosures provide do not include the Homeownership Counseling Disclosure - Due Diligence Vendor-06/10/2026 Ready for Review-initial disclosures attached. - Due Diligence Vendor-06/09/2026 Open-Homeownership Counseling Disclosure Is Missing *******Please provide entire initial disclosure package, issued within 3 days or borrower application, for review. - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9573322 | |||||
| 302262 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 983335 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 366402 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-05 03:04 | 2026-06-10 14:18 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/10/2026 Ready for Review-Final 1008 attached - Due Diligence Vendor-06/10/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/05/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/10/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.43 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.43 Years |
1008/Underwriting Summary Not Provided | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9572715 | |||
| 594629 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 428098 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 631302 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 596325 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-06-08 06:00 | 2026-06-10 14:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/10/2026 Ready for Review-EOI attached - Due Diligence Vendor-06/10/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/08/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9600169 | ||||
| 459276 | D | A | D | A | D | A | A | A | Closed | FCRE1814 | 2026-06-09 11:52 | 2026-06-10 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided - Due Diligence Vendor-06/10/2026 Ready for Review-Entity docs attached - Due Diligence Vendor-06/10/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-06/09/2026 |
Resolved-Entity docs provided - Due Diligence Vendor-06/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.23 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9630472 | ||||
| 459276 | D | A | D | A | D | A | A | A | Closed | FCOM1231 | 2026-06-08 03:47 | 2026-06-10 08:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/10/2026 Ready for Review-Initial 1003 attached - Due Diligence Vendor-06/10/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-06/08/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.23 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9598164 | ||||
| 832835 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 291741 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-06-09 14:18 | 2026-06-10 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Business Purpose Cert provided - Due Diligence Vendor-06/10/2026 Ready for Review-Occupancy Statement attached - Due Diligence Vendor-06/09/2026 Open-Certificate of Occupancy is missing - Due Diligence Vendor-06/09/2026 |
Resolved-Business Purpose Cert provided - Due Diligence Vendor-06/10/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9634811 | |||||
| 216268 | C | A | A | A | C | A | A | A | Closed | FCOM1252 | 2026-06-09 15:44 | 2026-06-17 13:15 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received explanation - Due Diligence Vendor-06/17/2026 Ready for Review-[Same response as the other finding] Client has: initial LE issued xxx, Locked LE on xxx, initial CD issued xxx, then Final CD xxx. While there are 2 lock confirmations dated xxx then another on xxx, The only change to the lock was the points from xxx – less than 1/8th. Please review as it should not require another disclosure. - Due Diligence Vendor-06/16/2026 Counter-**Received rebuttal advising subject loan is a business purpose loan however, documents in the original file indicate this is purchase of a primary residence. Lender to clarify and provide missing documents. - Due Diligence Vendor-06/15/2026 Ready for Review-This is a business purpose loan. A locked disclosure is not required. - Due Diligence Vendor-06/12/2026 Open-***** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/09/2026 |
Resolved-**Received explanation - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9638196 | |||||
| 216268 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-06-10 10:44 | 2026-06-17 13:13 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-**Received explanation - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Ready for Review-Client has: initial LE issued xxx Locked LE onxxx, initial CD issued xxx, then Final CD xxx. While there are 2 lock confirmations datedxxx then another on xxx, The only change to the lock was the points from .xxx – less than 1/8th. Please review as it should not require another disclosure. - Due Diligence Vendor-06/16/2026 Counter-**Received rebuttal advising subject loan is a business purpose loan however, documents in the original file indicate this is purchase of a primary residence. Lender to clarify and provide missing documents. - Due Diligence Vendor-06/15/2026 Ready for Review-This is a business purpose loan. A locked disclosure is not required. - Due Diligence Vendor-06/12/2026 Open-****** A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Resolved-**Received explanation - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9655222 | ||||
| 363821 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-08 11:23 | 2026-06-22 11:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserves meet guideline requirements at time of lock - Due Diligence Vendor-06/22/2026 Ready for Review-Funding date directive applies to retail or wholesale loans (xxx). This is a correspondent loans and effective date is as of our lock date. See attached lock confirmation showing lock date is xxx, which is after the guideline effective date of xxx. - Due Diligence Vendor-06/12/2026 Counter-Per Directive, the funding date is xxx - Guideline matrix of xxx was not in effect at the time of funding. Reserve required are 3 months - Due Diligence Vendor-06/11/2026 Ready for Review-Per xxx guidelines effective 04/27/2026, no reserves required for loan amounts <= xxx AND <= 75% LTV. - Due Diligence Vendor-06/10/2026 Open-All assets in file accounted for totaling 2.81 months reserves. Guidelines require 3. Short by -xxx - Due Diligence Vendor-06/09/2026 Rescinded-Audited Reserves of 2.81 are less than Guideline Required Reserves of 3 Desk review in file - Due Diligence Vendor-06/08/2026 |
Resolved-Reserves meet guideline requirements at time of lock - Due Diligence Vendor-06/22/2026 Rescinded-Audited Reserves of 2.81 are less than Guideline Required Reserves of 3 Desk review in file - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9606822 | ||||
| 757192 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-08 08:49 | 2026-06-12 14:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. - Seller-06/12/2026 Counter-Apologies for the confusion, the HOI Policy provided is missing the Policy number - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Buyer-06/09/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. The Hazard Insurance Policy was only partially provided. Required policy information is missing. - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. - Seller-06/12/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 12.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9603080 | |||
| 757192 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-06-08 08:30 | 2026-06-10 14:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Buyer-06/09/2026 Open-Asset 1 Missing The bank statement for account ending in xxx is missing from the loan documents. - Due Diligence Vendor-06/08/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-06/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 12.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
Assets.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9602768 | ||||
| 757192 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-06-08 07:38 | 2026-06-10 14:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Seller-06/09/2026 Open-Title Document is missing A title document was not provided for review and remains outstanding. - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. - Seller-06/09/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 12.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
Prelim.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9602030 | |||
| 818847 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-06-08 07:30 | 2026-06-11 09:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 0.13 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Open-Audited Reserves of 0.52 are less than Guideline Required Reserves of 3 The borrower has audited reserves of 0.52 months, which do not meet the guideline-required minimum reserve requirement of 3.00 months. - Due Diligence Vendor-06/08/2026 |
Resolved-Audited Reserves of 0.13 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-06/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 69.23% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9601919 | ||||
| 818847 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-06-08 07:25 | 2026-06-11 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/09/2026 Open-Asset 2 Missing Proof of gift funds totaling xxx is not documented in the file. A Gift Letter was not included for review. - Due Diligence Vendor-06/08/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 69.23% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Gift letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9601850 | ||||
| 882094 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 556099 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-11 12:00 | 2026-06-17 08:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Buyer-06/15/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/11/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.55 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.55 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9694110 | ||||
| 467328 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 308634 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-06-09 02:20 | 2026-07-13 08:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 0.54 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/13/2026 Resolved-Audited Reserves of are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/09/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 3 mos reserves required per guidelines, but none are on file. Please provide sufficient funds for 3 mos reserves, - Due Diligence Vendor-06/09/2026 |
Resolved-Audited Reserves of 0.54 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/13/2026 Resolved-Audited Reserves of are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/09/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9620607 | |||||
| 308634 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-06-09 02:03 | 2026-07-13 08:00 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-07/09/2026 Counter-According to FCD borrower still needed xxx to close. Need evidence ie one month bank statement that borrower had sufficient funds to closed OR PCCD showing no funds needed. - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. No reserves required as loan is: <xxx, LTV 75%. FICO xxx: - Buyer-07/09/2026 Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. Total Cash to Close on the final CD is xxx, but no assets were uploaded with the file. The gift already being present on the CD (but xxx, whereas the gift letter shows a gift of up to xxx), there are no available assets to use on file. Please provide sufficient assets to cover the xxx to close. - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-07/09/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/13/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9620488 | |||
| 308634 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-06-09 12:14 | 2026-07-13 08:00 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/13/2026 Resolved-Signed Gift of Equity letter provided - Due Diligence Vendor-06/10/2026 Ready for Review-Gift of Equity signed by all parties attached. - Due Diligence Vendor-06/09/2026 Open-1008 states that the gift of equity must be signed by all three sellers and the borrower. All three sellers did in fact sign, but xxx did not (pg 168/336). Please provide copy that shows the requirement listed on the 1008 that the borrower sign the gift letter as well. - Due Diligence Vendor-06/09/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/13/2026 Resolved-Signed Gift of Equity letter provided - Due Diligence Vendor-06/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9631606 | ||||
| 308634 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-06-09 01:33 | 2026-06-10 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/10/2026 Ready for Review-Sale Escrow Instructions attached. - Due Diligence Vendor-06/09/2026 Open-Purchase Contract Is Missing Please provide a copy of the purchase contract, missing from the file package upload. - Due Diligence Vendor-06/09/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9620257 | ||||
| 290063 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 314305 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-06-09 00:45 | 2026-06-16 12:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/16/2026 Ready for Review-TItle Rpt - Due Diligence Vendor-06/15/2026 Open-Title Document is missing - Due Diligence Vendor-06/09/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9620028 | ||||
| 314305 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-06-10 09:03 | 2026-06-16 12:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Occupancy Statement provided - Due Diligence Vendor-06/16/2026 Ready for Review-Occupancy stmt - Due Diligence Vendor-06/15/2026 Open-Certificate of Occupancy is missing - Due Diligence Vendor-06/10/2026 |
Resolved-Occupancy Statement provided - Due Diligence Vendor-06/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9652895 | ||||
| 365887 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 797208 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 894589 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 680127 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 937988 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 386338 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 773512 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 406050 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 208611 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 396448 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-06-09 07:09 | 2026-06-10 09:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/10/2026 Ready for Review-Initial 1003 attached. - Due Diligence Vendor-06/10/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-06/09/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9624603 | ||||
| 892051 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 996702 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-06-10 10:56 | 2026-06-12 14:42 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/12/2026 Ready for Review-see attached RCE disclosure/insurance - Due Diligence Vendor-06/11/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Coverage A Dwelling is xxx, short of the minimum required coverage amount of xxx. Please provide policy showing difference or additional supplemental dwelling coverage added to the policy that covers the shortfall difference. - Due Diligence Vendor-06/10/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9655445 | ||||
| 930927 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 829277 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 289691 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-06-09 12:14 | 2026-06-18 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2026 Ready for Review-see attached HOI policy - Due Diligence Vendor-06/16/2026 Open-Missing Hazard Insurance Policy Final Closing disclosure lists a 12 month premium paid to xxx, however HOI dec page/binder was not found in loan file. - Due Diligence Vendor-06/09/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9631607 | ||||
| 661535 | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2026-06-09 05:39 | 2026-06-11 08:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-06/11/2026 Ready for Review-Note attached - Due Diligence Vendor-06/11/2026 Open-The Note is Missing Notes were supplied, just not for this property (2 others). Please provide note for subject property, fully executed. - Due Diligence Vendor-06/09/2026 |
Resolved-The Note is Present - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9623909 | ||||
| 493130 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-10 04:43 | 2026-06-12 13:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2026 Ready for Review-Final 1008 Provided - Due Diligence Vendor-06/11/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/10/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 317.17 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9647876 | ||||
| 489741 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 737614 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 320357 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 537970 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 246160 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 389202 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 257747 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 917756 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 403891 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 712643 | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2026-06-10 10:31 | 2026-06-15 15:21 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/15/2026 Ready for Review-see Homeowners counseling disclosure attached. - Due Diligence Vendor-06/15/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/11/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validate Months Reserves Of 10.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validate Calculated DTI Of 39.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validate Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validate Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validate Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validate Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.50 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9654800 | ||||
| 583443 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 851216 | C | B | C | A | B | B | A | A | Closed | FCRE1194 | 2026-06-11 08:13 | 2026-06-19 09:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/19/2026 Resolved-Lender provided updated income and product documentation - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. This is xxx loan which allows up to 80% LTV. Already uploaded xxx. Furthermore, already provided your team for all of our matrix. - Buyer-06/17/2026 Counter-The condition is for LTV - Audited LTV of 80% exceeds Guideline LTV of 75%. Alternative documentation for SFR purchase up to xxx max LTV allowed is 75%. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. This is xxx loan. Uploaded FFIEC showing the property is in Moderate - Buyer-06/16/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75%. Alternative documentation for SFR purchase up to xxx max LTV allowed is 75%. - Due Diligence Vendor-06/11/2026 |
Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/19/2026 Resolved-Lender provided updated income and product documentation - Due Diligence Vendor-06/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9684046 | ||||
| 851216 | C | B | C | A | B | B | A | A | Closed | finding-651 | 2026-06-11 14:43 | 2026-06-16 13:44 | Waived | 2 - Non-Material | B | B | Compliance | Points & Fees | TILA Finance Charge Test | Waived-EV2 – Outside xxx purchase SOL - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/11/2026 Open-Resolved - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 |
Waived-EV2 – Outside xxx purchase SOL - Due Diligence Vendor-06/16/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | 9699456 | |||||
| 851216 | C | B | C | A | B | B | A | A | Closed | finding-3719 | 2026-06-12 05:46 | 2026-06-16 13:44 | Waived | 2 - Non-Material | B | B | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Waived-EV2 – Outside xxx purchase SOL - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open-Resolved - Due Diligence Vendor-06/16/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/12/2026 |
Waived-EV2 – Outside xxx purchase SOL - Due Diligence Vendor-06/16/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | 9711388 | |||||
| 851216 | C | B | C | A | B | B | A | A | Closed | finding-3625 | 2026-06-16 13:42 | 2026-06-16 13:43 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. EV2 – Outside xxx purchase SOL - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. EV2 – Outside xxx purchase SOL - Due Diligence Vendor-06/16/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | 9772314 | |||||
| 289504 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 737440 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-06-19 08:28 | 2026-06-23 08:03 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field Review provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded Appraisal Field Review report as desk review - Buyer-06/22/2026 Open-Per Guidelines: One Full Appraisal and one Desk Review - Missing Desk review from the Loan file - The UCDP/SSR (CU no score/LCA no score - Not Eligible) - Due Diligence Vendor-06/19/2026 |
Resolved-Field Review provided - Due Diligence Vendor-06/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9840806 | ||||
| 233949 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 193726 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 115143 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 380680 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 566743 | C | A | A | A | A | A | C | A | Closed | FPRO1137 | 2026-06-11 02:16 | 2026-06-17 08:56 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. According to the public records, Illinois Appraiser license is valid for two years from the date of issuance and expired on xxx of odd numbered years. The actual license that was included in the appraisal report (also uploaded), it was expired on xxx so the appraiser had the license since 2023. - Buyer-06/15/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date. Did a thorough search and could not find the prior appraiser license start and end date that fits with the appraisal date of xxx. It appears that there was a lot of start and stop license gaps with a different license number for each license. - Due Diligence Vendor-06/11/2026 |
Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |
Appraiser License.png License Validity.png |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9677335 | ||||
| 281930 | C | B | A | A | C | B | A | A | Closed | finding-3719 | 2026-06-18 13:59 | 2026-06-29 13:08 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Cured-***Received cure package - Due Diligence Vendor-06/29/2026 Resolved-***Received cure package - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. xxx package has been uploaded - Buyer-06/29/2026 Ready for Review-You stated on the bottom that only needed check and proof of mailing which I do not understand why you countered. Please read your comment below. ***A copy of the restitution check to the borrower in the amount of xxx, and proof of mailing, is required. (APR/Finance charge/TOP violations cannot be cleared with a PCCD nor is a PCCD required).** - Buyer-06/25/2026 Counter-***Received partial cure package. In addition to the copy of the refund check and proof of delivery, we also need a copy of the LOE and copy of the corrected PCCD. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Uploaded proof of delivery & copy of check - Buyer-06/23/2026 Open-******* *** Compliance review indicates a Total of Payments variance of xxx. It appears the Escrow Fee was excluded from the Total Of Payments amount disclosed to the borrower in the PCCD. ***A copy of the restitution check to the borrower in the amount of xxx, and proof of mailing, is required. (APR/Finance charge/TOP violations cannot be cleared with a PCCD nor is a PCCD required). 3yr purchase SOL expiration is xxx - Due Diligence Vendor-06/18/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Cured-***Received cure package - Due Diligence Vendor-06/29/2026 Resolved-***Received cure package - Due Diligence Vendor-06/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 8.3 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9825505 | ||||
| 437392 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 668659 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 800454 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 750064 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 538291 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 508246 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 389813 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 727618 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 857884 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-12 04:11 | 2026-06-23 11:45 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded Final settlement statement & proof of wire. xxx wired xxx & xxx (Total xxx), xxx wired xxx + xxx (total xxx). The borrower did the lumpsum total gift amount on the gift letter. - Buyer-06/22/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Gift letters on file are as follows: xxx from xxx xxx, xxx from xxx xxx, xxx from xxx xxx, and xxx from xxx xxx. Actual wires, however, showed only xxx wired from xxx, no wire at all from xxx, and only xxx from xxx xxx. Only xxx sent the xxx listed on the gift letters. Gift letters should be on file for the accurate amounts wired and not all wire information is present as we are short funds to close xxx. No other assets appear on file. - Due Diligence Vendor-06/12/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9708968 | ||||
| 355131 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-19 15:48 | 2026-06-23 07:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.95 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. There was xxx that was deposited but it was refunded back to the borrower. uploaded xxx which should have enough assets to cover 2 months reserves. - Buyer-06/22/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 2 - Due Diligence Vendor-06/19/2026 |
Resolved-Audited Reserves of 2.95 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-06/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 34.08% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 12.00 Years |
FSS.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9848174 | ||||
| 719624 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 202911 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 285142 | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2026-06-11 02:57 | 2026-06-17 08:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-06/16/2026 Open-The Note is Missing . Provide Adjustable Note for subject property located at xxx for complete loan terms. Subject to review and possible additional conditions. - Due Diligence Vendor-06/11/2026 |
Resolved-The Note is Present - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.56 Years |
08. Promissory Note (Original).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9677625 | ||||
| 271273 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 230521 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 452217 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 255544 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 231039 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 875327 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 648194 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 741664 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 232198 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 959130 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 620588 | D | A | D | A | A | A | C | A | Closed | FPRO4876 | 2026-06-23 12:01 | 2026-06-25 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Uploaded - Seller-06/25/2026 Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. xxx reflects DR-4683-xxx Disaster for Flood - xxx Declared Disaster Date xxx - PDI is missing from the Loan file - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-06/25/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-06/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
PDI inspection.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9892122 | |||
| 620588 | D | A | D | A | A | A | C | A | Closed | FCRE1468 | 2026-06-15 05:52 | 2026-06-23 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded fully executed Gift Letter - Seller-06/22/2026 Open-Asset 2 Missing Signed Gift Letter in the amount of xxx is missing - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Uploaded fully executed Gift Letter - Seller-06/22/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9740194 | |||
| 620588 | D | A | D | A | A | A | C | A | Closed | FCRE1469 | 2026-06-22 14:30 | 2026-06-23 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-06/22/2026 Open-Asset 3 Missing xxx statement account ending in #xxx with balance of xxx is missing - Due Diligence Vendor-06/22/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9871872 | ||||
| 620588 | D | A | D | A | A | A | C | A | Closed | FPRO9939 | 2026-06-15 08:17 | 2026-06-23 12:01 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded desk review - Buyer-06/22/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.5) - Due Diligence Vendor-06/15/2026 |
Resolved-desk review provided - Due Diligence Vendor-06/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
39. Desk Review & Paid Invoice (Closed).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9742248 | ||||
| 851738 | C | B | A | A | C | B | A | A | Closed | finding-3734 | 2026-06-18 13:35 | 2026-06-26 11:28 | Cured | 2 - Non-Material | C | B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Received cure package - Due Diligence Vendor-06/26/2026 Resolved-Received cure package - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. uploaded - Seller-06/24/2026 Counter-The action taken does not remediate the Total of Payments violation related to the exclusion of the Credit Report fee in the amount of xxx from the Total of Payments disclosed to the borrower. This constitutes a disclosure error at consummation and cannot be corrected through any post-consummation restructuring or reallocation of fees. As a result, restitution in the amount of xxx is due to the borrower. Please provide the following documentation: A copy of the restitution check, A detailed Letter of Explanation (LOE), Proof of delivery to the borrower.Thank you - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Document Uploaded. Per lender, this item is a reimbursement to the Broker for the credit report fee. Since the payee is the Broker and not the credit bureau, classifying it directly under Section B "Services You Cannot Shop For" as a required settlement service would not be accurate. Provided updated CD to add the credit report fee under Section B as "Paid Outside of Closing (POC)" by the Broker. - Seller-06/22/2026 Counter-Disagree with lender's cure position. The lender credit predates discovery of the Total of Payments underdisclosure and was not issued as remediation for the violation. Recharacterizing a pre-existing credit as a cure is unsupported and results in double counting of the same credit. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. There was lender credit of xxx for this transaction. Uploaded part of CD. - Seller-06/18/2026 Open-******* Credit report reimbursement to Broker shown in section H rather than section B, has been erroneously excluded from the total of payments calculation. ~~~~~ Violation amount is xxx. ***A copy of the restitution check to the borrower in the amount of xxx, and proof of mailing, is required. (APR/Finance charge/TOP violations cannot be cleared with a PCCD nor is a PCCD required). 3 yr purchase SOL expiration date xxx - Due Diligence Vendor-06/18/2026 Open-This loan failed the TRID foreclosure rescission total of payments test. ( 12 CFR §1026.23(h)(2)(ii) )The total of payments is xxx The disclosed total of payments charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. uploaded - Seller-06/24/2026 Ready for Review-Document Uploaded. Document Uploaded. Per lender, this item is a reimbursement to the Broker for the credit report fee. Since the payee is the Broker and not the credit bureau, classifying it directly under Section B "Services You Cannot Shop For" as a required settlement service would not be accurate. Provided updated CD to add the credit report fee under Section B as "Paid Outside of Closing (POC)" by the Broker. - Seller-06/22/2026 Ready for Review-Document Uploaded. There was lender credit of xxx for this transaction. Uploaded part of CD. - Seller-06/18/2026 |
Cured-Received cure package - Due Diligence Vendor-06/26/2026 Resolved-Received cure package - Due Diligence Vendor-06/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.41% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.20 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.46% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9824813 | |||
| 851738 | C | B | A | A | C | B | A | A | Closed | finding-3732 | 2026-06-18 13:35 | 2026-06-26 11:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received cure package - Due Diligence Vendor-06/26/2026 Resolved- - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-06/24/2026 Counter-The action taken does not remediate the Total of Payments violation related to the exclusion of the Credit Report fee in the amount of xxx from the Total of Payments disclosed to the borrower. This constitutes a disclosure error at origination and cannot be corrected through any post-consummation restructuring or reallocation of fees. As a result, restitution in the amount of xxx is due to the borrower. Please provide the following documentation: A copy of the restitution check, A detailed Letter of Explanation (LOE), Proof of delivery to the borrower.Thank you - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Per lender, this item is a reimbursement to the Broker for the credit report fee. Since the payee is the Broker and not the credit bureau, classifying it directly under Section B "Services You Cannot Shop For" as a required settlement service would not be accurate. Provided updated CD to add the credit report fee under Section B as "Paid Outside of Closing (POC)" by the Broker. - Buyer-06/22/2026 Counter-Disagree with lender's cure position. The lender credit predates discovery of the Total of Payments underdisclosure and was not issued as remediation for the violation. Recharacterizing a pre-existing credit as a cure is unsupported and results in double counting of the same credit. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. There was lender credit of xxx for this transaction. uploaded part of the CD. - Seller-06/18/2026 Open-******* Credit report reimbursement to Broker shown in section H rather than section B, has been erroneously excluded from the total of payments calculation. ~~~~~ Violation amount is xxx. ***A copy of the restitution check to the borrower in the amount of xxx, and proof of mailing, is required. (APR/Finance charge/TOP violations cannot be cleared with a PCCD nor is a PCCD required). 3 yr purchase SOL expiration date xxx - Due Diligence Vendor-06/18/2026 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is xxx The disclosed total of payments of xxx is not considered accurate because it is understated by more than xxx and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. There was lender credit of xxx for this transaction. uploaded part of the CD. - Seller-06/18/2026 |
Resolved-Received cure package - Due Diligence Vendor-06/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.41% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.20 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.46% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9824812 | |||
| 864528 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 483108 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 509083 | D | A | A | A | D | A | A | A | Closed | FCOM8844 | 2026-06-16 10:56 | 2026-06-18 08:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. The purpose of the cash out is that the borrower wanted to save some reserves for the future. LOE uploaded (p.6 of LOE PDF file). P.234 & p.237 of the credit package were appraisal reports. - Buyer-06/16/2026 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Pg 234 LOX discusses client expanding business and pg 237 LOX for use of funds generally discusses using cash out to have future reserves. Cashout refi of an investment property for business purpose, requesting business purpose affidavit. - Due Diligence Vendor-06/16/2026 |
Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.61% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.61 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9766906 | ||||
| 300288 | C | B | A | A | C | B | A | A | Closed | finding-651 | 2026-06-18 10:22 | 2026-06-23 11:18 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded proof of delivery, copy of check, and post CD - Seller-06/22/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx. Fees included in testing are:Points - Loan Discount Fee paid by Borrower: xxx Mortgage Broker Fee paid by Borrower: xxx Processing Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Flood Certification - Single Charge or Life of Loan paid by Borrower: xxx HOA Certification Fee paid by Borrower: xxx Tax Service Fee paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Tie-in Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Commitment Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Total Fees xxx Total - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx. The disclosed finance charge ofxxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. Uploaded proof of delivery, copy of check, and post CD - Seller-06/22/2026 |
Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9818183 | |||
| 300288 | C | B | A | A | C | B | A | A | Closed | finding-3719 | 2026-06-18 10:23 | 2026-06-23 11:17 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded Proof of delivery, copy of check, and post CD - Buyer-06/22/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx Fees included in testing are:Points - Loan Discount Fee paid by Borrower: xxx Mortgage Broker Fee paid by Borrower: xxx Processing Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Flood Certification - Single Charge or Life of Loan paid by Borrower: xxx HOA Certification Fee paid by Borrower: xxx Tax Service Fee paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Tie-in Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Commitment Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Total Fees xxx Total - Due Diligence Vendor-06/18/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9818194 | ||||
| 542542 | C | A | A | A | C | A | A | A | Closed | FCOM1291 | 2026-06-18 16:02 | 2026-06-23 14:16 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-Correct ROR model form provided, executed at consummation. Thank you - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded H-9 form - Buyer-06/23/2026 Counter-Disagree -The client’s assertion that a lender loses "same-creditor" status under Regulation Z solely because the existing loan was sold on the secondary market is incorrect. Under 12 CFR § 1026.23(f)(2) and its Official Staff Commentary, the term "same creditor" is determined by the entity to whom the original obligation was made payable, or its legal successor (via merger or acquisition). The assignment or sale of the underlying note to an investor does not strip the original originating lender of its status for a subsequent refinancing. Therefore, Model Form H-9 remains the correct disclosure. - Due Diligence Vendor-06/23/2026 Ready for Review-Regulation Z 12 CFR § 1026.23(f)(2) and accompanying commentary dictate that the "same-creditor" exemption for refinancing applies only if the original creditor holds the debt. If the loan has been sold, the original lender loses "same-creditor" status, requiring the use of Form H-8 instead of Form H-9 to avoid a 3-year rescission extension risk. - Buyer-06/22/2026 Ready for Review-Under the Truth in Lending ACT (TILA) and Regulation Z (12 CFR § 1026.23), the choice of form depends strictly on who "currently holds the loan being paid off". Form H-8 (General/New Creditor) is required when a borrower refinances a loan held by a different creditor. Because Lender xxx sold the original loan to Lender xxx, xxx is the current holder of the debt. From a legal and compliance standpoint, Lender xxx is acting as a "new" creditor for this specific transaction. - Buyer-06/22/2026 Counter-1026.23 (f-4) The original creditor is the creditor to whom the written agreement was initially made payable. In a merger, consolidation or acquisition, the successor institution is considered the original creditor - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Even though xxx originally created the det, they were no longer the holder of the active mortgage (sold the loan to xxx) which means that xxx was supposed to use Form H-8. Uploaded FSS showing the future lender would be "xxx" and the payoff demand/mortgage statement that the current lender showed as "xxx" - Buyer-06/18/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ****** Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-06/18/2026 |
Resolved-Correct ROR model form provided, executed at consummation. Thank you - Due Diligence Vendor-06/23/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.91 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.85% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.78 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9828932 | ||||
| 209051 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-06-11 14:40 | 2026-06-16 12:08 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Our guidelines require hazard insurance coverage to equal at least the unpaid principal balance of the mortgage "OR" 100% of the insurable value of the improvements on a replacement cost basis. According to the appraisal report, the total estimated cost new is xxx. The current dwelling coverage is xxx. Because the current coverage xxx) is higher than the replacement cost xxx), the policy meets our guidelines. Attached the guideline & appraisal report. - Buyer-06/15/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx The most current hazard policy does not have dwelling coverage in the amount of xxx, short xxx. - Due Diligence Vendor-06/11/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 137.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years |
Hazard insurance guideline.png Appraisal report cost new value.png |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9699430 | ||||
| 595722 | D | A | D | A | A | A | A | A | Closed | FVAL3825 | 2026-06-18 14:05 | 2026-06-23 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PCI provided stating Free and clear of disaster related damage - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-06/22/2026 Open-Per xxx: DR-4856-xxx for Fire xxx Declared Disaster Date xxx - Missing PDI from loan file. - Due Diligence Vendor-06/18/2026 |
Resolved-PCI provided stating Free and clear of disaster related damage - Due Diligence Vendor-06/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
PDI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9825615 | ||||
| 776331 | D | A | D | A | A | A | C | A | Closed | FPRO9939 | 2026-06-11 07:29 | 2026-06-17 12:03 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-06/17/2026 Ready for Review-This is the desk review - Buyer-06/16/2026 Counter-Document Uploaded. Guidelines require a Desk review - What is being provided is a RESIDENTIAL APPRAISAL REVIEW SHORT FORM - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-06/15/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.9) CU Score Is Greater Than 2.5 And A Desk Review was not provided. Missing desk review. - Due Diligence Vendor-06/15/2026 |
Resolved-desk review provided - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.27% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.27 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9683242 | ||||
| 776331 | D | A | D | A | A | A | C | A | Closed | FCRE5116 | 2026-06-15 13:04 | 2026-06-16 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-newly closed Loan dated xxx - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Borrower obtained the loan under xxx property on xxx and the first mortgage payment date was on xxx. Since this transaction was funded on xxx, there is no VOM. Attached the property profile & Note. - Buyer-06/15/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide VOM for property located at xxx showing monthly payment of xxx. - Due Diligence Vendor-06/15/2026 |
Resolved-newly closed Loan dated xxx - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.27% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.27 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
Property Profiile.png Note.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9749761 | ||||
| 131201 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 608923 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 600400 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 299536 | D | A | D | A | A | A | A | A | Closed | FPRO4876 | 2026-06-12 12:55 | 2026-06-16 11:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-06/15/2026 Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. PDI required - Due Diligence Vendor-06/12/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |
PDI inspection.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9722685 | ||||
| 262943 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 732325 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 673847 | C | B | A | A | C | B | A | A | Closed | finding-651 | 2026-06-12 08:24 | 2026-06-23 13:19 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured- - Due Diligence Vendor-06/23/2026 Cured- - Due Diligence Vendor-06/23/2026 Cured-**Received complete cure package - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded proof of delivery, copy of check, and post CD - Buyer-06/22/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx. Fees included in testing are:Points - Loan Discount Fee paid by Borrower: xxx Loan Origination Fee paid by Borrower: xxx Processing Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Flood Certification - Single Charge or Life of Loan paid by Borrower: xxx Compliance Audit / Quality Control Fee paid by Borrower: xxx Tax Service Fee paid by Borrower: xxx Tie-in Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Total Fees xxx - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Cured-**Received complete cure package - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.3% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 159.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.75% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.18 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9713781 | ||||
| 673847 | C | B | A | A | C | B | A | A | Closed | finding-3719 | 2026-06-18 11:16 | 2026-06-23 13:19 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Cured- - Due Diligence Vendor-06/23/2026 Cured- - Due Diligence Vendor-06/23/2026 Cured-**Received complete cure package - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded - Seller-06/22/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx. Fees included in testing are:Points - Loan Discount Fee paid by Borrower: xxx Loan Origination Fee paid by Borrower: xxx Processing Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Flood Certification - Single Charge or Life of Loan paid by Borrower: xxx Compliance Audit / Quality Control Fee paid by Borrower: xxx Tax Service Fee paid by Borrower: xxx Tie-in Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Total Fees xxx - Due Diligence Vendor-06/18/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-06/22/2026 |
Cured-**Received complete cure package - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.3% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 159.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.75% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.18 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9820152 | |||
| 785721 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-06-11 08:02 | 2026-06-19 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Lender updated income program to be used. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. This is the xxx program (Asset based income) not the bank statement program and used the two-month bank statements/seasoned assets to validate the income. the calculation should be total verified assets xxx. Uploaded part of the income calculation & matrix. - Buyer-06/17/2026 Open-The income calcution worksheet was calculated using one month bank statement activity and the beginning balance. only three months of bank statements were provided, while six months are required - Due Diligence Vendor-06/11/2026 |
Resolved-Lender updated income program to be used. - Due Diligence Vendor-06/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Income Calculation.png matrix.png |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9683854 | ||||
| 190081 | A | A | A | A | A | A | A | A | Closed | FCRE1316 | 2026-06-15 06:08 | 2026-06-23 08:34 | Resolved | 1 - Information | A | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Business License Provided with an Exp date of xxx - Note date is xxx - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. This is 3 Months Bank statement program and the xxx license was expired on xxx. Uploaded xxx license. - Buyer-06/22/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Most recent xxx documentation was xxx licens xxx. Note date is xxx. No other recent voe docs on file - Due Diligence Vendor-06/18/2026 |
Resolved-Business License Provided with an Exp date of xxx - Note date is xxx - Due Diligence Vendor-06/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.88 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9740294 | ||||
| 631995 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 177958 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 570790 | C | B | A | A | C | B | A | A | Closed | finding-3719 | 2026-06-18 12:33 | 2026-06-23 14:50 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Cured-**Received cure package - Due Diligence Vendor-06/23/2026 Resolved-**Received cure package - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded proof of delivery, copy of check, and post CD - Buyer-06/22/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx. Fees included in testing are: Points - Loan Discount Fee paid by Borrower: xxx Loan Origination Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Processing Fee paid by Borrower: xxx Tax Service Fee paid by Borrower: xxx Appraisal Management Fee paid by Borrower: xxx Flood Certification - Single Charge or Life of Loan paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Total Fees xxx - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Cured-**Received cure package - Due Diligence Vendor-06/23/2026 Resolved-**Received cure package - Due Diligence Vendor-06/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9822792 | ||||
| 570790 | C | B | A | A | C | B | A | A | Closed | finding-651 | 2026-06-12 08:34 | 2026-06-23 14:50 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-**Received cure package - Due Diligence Vendor-06/23/2026 Resolved-**Received cure package - Due Diligence Vendor-06/23/2026 Ready for Review-r - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Ready for Review-We provided the cure package to cure this. What do you need? - Buyer-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded proof of delivery, copy of check, and updated post CD - Seller-06/22/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx. Fees included in testing are: Points - Loan Discount Fee paid by Borrower: Points - Loan Discount Fee paid by Borrower: xxx Appraisal Management Fee paid by Borrower: xxx Courier / Messenger Fee paid by Borrower: xxx Flood Certification - Single Charge or Life of Loan paid by Borrower: xxx Fees Interest Mortgage Insurance Loan Origination Fee paid by Borrower: xxx Notary Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Processing Fee paid by Borrower:xxx Recording Service Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Tax Service Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Total Fees xxx xxx Loan Origination Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Processing Fee paid by Borrower:xxx Tax Service Fee paid by Borrower: xxx Appraisal Management Fee paid by Borrower: xxx Flood Certification - Single Charge or Life of Loan paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Recording Service Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Total Fees xxx - Due Diligence Vendor-06/18/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Uploaded proof of delivery, copy of check, and updated post CD - Seller-06/22/2026 |
Cured-**Received cure package - Due Diligence Vendor-06/23/2026 Resolved-**Received cure package - Due Diligence Vendor-06/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9713961 | |||
| 659905 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 437589 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 703020 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 785031 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-12 10:14 | 2026-06-18 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-06/18/2026 Ready for Review-see attached docs - Due Diligence Vendor-06/16/2026 Counter-Apologies for the confusion, the xxxproperty listed on the Final 1003 appears to reflect a new Loan with xxx iao xxx with a monthly PITA payment of xxx. Provide Note, First payment Letter (if not escrowed) Taxes, HOI and HOA if applicable - Due Diligence Vendor-06/15/2026 Ready for Review-see attached REOxxx Statement - Due Diligence Vendor-06/12/2026 Open-Missing REO xxx xxx mortgage statement. - Due Diligence Vendor-06/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 46.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9716073 | |||||
| 480472 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 580760 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 635085 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 544543 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 279113 | D | A | D | A | D | A | A | A | Closed | FCRE7000 | 2026-06-11 06:26 | 2026-06-23 13:01 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please see updated assets. Not using xxx Bank, Borrower had add'l assets that came into xxx acct prior to closing. - Buyer-06/22/2026 Counter-Docs received. 1)Access letter concerns trustee's mother but doesn't show ownership for our borrower as xxx xxx is not a signer on the loan nor is there an additional gift letter for those funds. 2) Appears the EMD has been counted twice, it should not be counted on the funds to close summary recently submitted, it's already accounted for one the HUD-1 as the EMD. 3) Please provide evidence of sufficient funds to close, through other deposits, gifts, updated balance statements from assets owned by the one borrower. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Asset docs in file supports adequate funds to close. Please see breakdown attached. - Seller-06/17/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Asset docs in file supports adequate funds to close. Please see breakdown attached. - Seller-06/17/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Cond06_Assets_Funds-to-Close_Summary.pdf Updated assets.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9681358 | |||
| 279113 | D | A | D | A | D | A | A | A | Closed | FCRE1253 | 2026-06-11 06:01 | 2026-06-18 13:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-Missing Property Tax Cert - Due Diligence Vendor-06/11/2026 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/18/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Cond07_Property_Tax_School.pdf Cond07_Property_Tax_County.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9681031 | ||||
| 279113 | D | A | D | A | D | A | A | A | Closed | FCRE1145 | 2026-06-11 06:01 | 2026-06-18 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. - Seller-06/11/2026 Open-Title Document is missing xxx xxx IS MISSING - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. - Seller-06/11/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9681032 | |||
| 279113 | D | A | D | A | D | A | A | A | Closed | FCRE1501 | 2026-06-11 16:35 | 2026-06-18 13:12 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved- - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-Missing additional Identification for Borrower - Due Diligence Vendor-06/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Cond7006_USA_PATRIOT_Act_CIP_Verification__BLOX_OFFICER_SIGNS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9702459 | |||||
| 279113 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-06-11 05:51 | 2026-06-18 12:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Seller-06/17/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. - Seller-06/17/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9680946 | |||
| 279113 | D | A | D | A | D | A | A | A | Closed | FCOM1231 | 2026-06-11 05:51 | 2026-06-18 12:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-06/11/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9680947 | ||||
| 318505 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 593529 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 930284 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 838335 | D | A | D | A | A | A | A | A | Closed | FCRE1183 | 2026-06-12 02:02 | 2026-06-16 13:54 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/16/2026 Ready for Review-see attached 1008 - Due Diligence Vendor-06/15/2026 Open-1008/Underwriting Summary Partially Provided Missing final 1008 with loan amount same as Note. - Due Diligence Vendor-06/12/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/16/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9708061 | ||||
| 923869 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-12 02:40 | 2026-06-26 10:03 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Gift letters and respective wire for xxx + xxx attached- totaling xxx noted as EMD. - Buyer-06/25/2026 Counter-Proof of EMD of xxx provided via dated xxx however the additional xxx (totaling xxx) listed on Closing disclosure is missing - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. CD and closing funds shows required funds to close xxx Verified borrower's funds xxx. This is adequate. - Buyer-06/16/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx - Due Diligence Vendor-06/12/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.23% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9708384 | ||||
| 923869 | C | A | C | A | A | A | A | A | Closed | FCRE1183 | 2026-06-12 02:58 | 2026-06-17 12:33 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Buyer-06/16/2026 Open-1008/Underwriting Summary Partially Provided Loan Amount Different as per Document - Due Diligence Vendor-06/12/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.23% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9708526 | ||||
| 735734 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 464159 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 494811 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 413150 | D | A | A | A | D | A | A | A | Closed | FCOM8227 | 2026-06-15 09:09 | 2026-06-19 19:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 Ready for Review-Initial disclosure package uploaded. - Buyer-06/19/2026 Open-Initial Loan Estimate is missing - Due Diligence Vendor-06/15/2026 |
Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9742986 | |||||
| 413150 | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2026-06-15 09:37 | 2026-06-19 19:35 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 Ready for Review-Initial disclosure package uploaded. - Buyer-06/19/2026 Open-SSPL is missing ~~~~~~~~~~~~~* Please provide entire initial disclosure package, issued within 3 days or borrower application, for review, to include ILE, HOC, Intent to Proceed, SPL, etc. ~~~ Do we have the complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing? A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/15/2026 |
Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9743667 | |||||
| 413150 | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2026-06-16 16:53 | 2026-06-19 19:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-Initial disclosure package uploaded. - Buyer-06/19/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ~~~~~~~~~~~~~* Please provide entire initial disclosure package, issued within 3 days or borrower application, for review, to include ILE, HOC, Intent to Proceed, SPL, etc. ~~~ Do we have the complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing? A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9779793 | |||||
| 413150 | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2026-06-16 16:53 | 2026-06-19 19:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-Initial disclosure package uploaded. - Buyer-06/19/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ~~~~~~~~~~~~~* Please provide entire initial disclosure package, issued within 3 days or borrower application, for review, to include ILE, HOC, Intent to Proceed, SPL, etc. ~~~ Do we have the complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing? A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9779794 | |||||
| 413150 | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2026-06-16 16:53 | 2026-06-19 19:34 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-Initial disclosure package uploaded. - Seller-06/19/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ~~~~~~~~~~~~~* Please provide entire initial disclosure package, issued within 3 days or borrower application, for review, to include ILE, HOC, Intent to Proceed, SPL, etc. ~~~ Do we have the complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing? A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Ready for Review-Initial disclosure package uploaded. - Seller-06/19/2026 |
Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9779795 | ||||
| 413150 | D | A | A | A | D | A | A | A | Closed | finding-3635 | 2026-06-16 16:53 | 2026-06-19 19:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-Initial disclosure package uploaded. - Buyer-06/19/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ~~~~~~~~~~~~~* Please provide entire initial disclosure package, issued within 3 days or borrower application, for review, to include ILE, HOC, Intent to Proceed, SPL, etc. ~~~ Do we have the complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing? A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9779796 | |||||
| 413150 | D | A | A | A | D | A | A | A | Closed | finding-3515 | 2026-06-16 16:53 | 2026-06-19 19:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-Initial disclosure package uploaded. - Buyer-06/19/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ~~~~~~~~~~~~~* Please provide entire initial disclosure package, issued within 3 days or borrower application, for review, to include ILE, HOC, Intent to Proceed, SPL, etc. ~~~ Do we have the complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing? A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received initial disclosures. - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9779797 | |||||
| 413150 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-06-15 09:08 | 2026-06-19 19:33 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Initial disclosure package uploaded. - Seller-06/19/2026 Open-Homeownership Counseling Disclosure Is Missing. ~~~~~~~~~~~~~* Please provide entire initial disclosure package, issued within 3 days or borrower application, for review, to include HOC, Intent to Proceed, SPL, etc - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Initial disclosure package uploaded. - Seller-06/19/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Initial Disclosure_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9742977 | |||
| 418406 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-16 14:27 | 2026-06-19 11:29 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-06/19/2026 Ready for Review-ICD attached - Due Diligence Vendor-06/18/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/16/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/16/2026 |
Resolved-***Received ICD - Due Diligence Vendor-06/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 38.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9773524 | ||||
| 418406 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-06-16 16:26 | 2026-06-19 11:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD - Due Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-Pls refer to ICD sent and attached with the other condition. - Due Diligence Vendor-06/18/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/16/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received ICD - Due Diligence Vendor-06/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 38.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9775717 | |||||
| 435648 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-06-16 07:25 | 2026-06-17 09:08 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received COC - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Ready for Review-see COC attached to prior conditions - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following charges have been either increased: Points - Loan Discount Fee Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received COC - Due Diligence Vendor-06/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.45 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9763404 | |||||
| 435648 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-16 07:25 | 2026-06-17 09:08 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received COC - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Ready for Review-see attached COC - Due Diligence Vendor-06/16/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ****The following charges have been either increased: Points - Loan Discount Fee Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received COC - Due Diligence Vendor-06/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.45 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9763405 | ||||
| 435648 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-16 07:25 | 2026-06-17 09:08 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received COC - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Ready for Review-see COC attached to prior conditions. - Due Diligence Vendor-06/16/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ****The following charges have been either increased: Points - Loan Discount Fee Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxxis required. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received COC - Due Diligence Vendor-06/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.45 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9763406 | |||||
| 670968 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-06-19 15:46 | 2026-06-26 14:02 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-***Received PCCD - Due Diligence Vendor-06/26/2026 Resolved- - Due Diligence Vendor-06/26/2026 Ready for Review-PCCD attached - Due Diligence Vendor-06/24/2026 Counter-Copy of PCCD was not uploaded. - Due Diligence Vendor-06/23/2026 Ready for Review-see attached post consummation CD & Final Alta - Due Diligence Vendor-06/22/2026 Counter-**Received duplicate copy of Final CD. Lender to provide a PCCD with correct and true disbursement date and correct amount of prepaid interest collected. - Due Diligence Vendor-06/19/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-06/19/2026 Open- - Due Diligence Vendor-06/19/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9848157 | ||||
| 670968 | C | A | A | A | C | A | A | A | Closed | finding-3617 | 2026-06-16 19:12 | 2026-06-16 20:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved- - Due Diligence Vendor-06/17/2026 Resolved- - Due Diligence Vendor-06/17/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved- - Due Diligence Vendor-06/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9781161 | |||||
| 215882 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-06-16 08:24 | 2026-08-25 15:42 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received missing disclosures - Due Diligence Vendor-08/25/2026 Resolved- - Due Diligence Vendor-08/25/2026 Ready for Review-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/25/2026 Open- - Due Diligence Vendor-08/25/2026 Ready for Review-see redisclosed CD - Due Diligence Vendor-08/25/2026 Counter-***Documents uploaded do not include the revised LE issued within 3 business days of the date of change of xxx. - Due Diligence Vendor-06/29/2026 Counter-***Received revised LE. We are still missing the revised CD issued within 3 business days of the xxx COC discovery date disclosing the Loan Discount Points fee of xxx - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-see attached LE redisclosed - Due Diligence Vendor-06/23/2026 Counter-**COC provided has a discovery date of xxx. The original file indicates the initial rate was locked on xxx We are missing both the revised LE issued withing 3 business days of the initial lock AND the revised CD issued within 3 business days of the rate change of xxx. Both documents are needed to complete compliance testing. - Due Diligence Vendor-06/18/2026 Ready for Review-see COC attached to prior condition - Due Diligence Vendor-06/17/2026 Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx Rate dependent charge changes subject to 0% tolerance total xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-08/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.22% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9764160 | ||||
| 215882 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-16 08:24 | 2026-08-25 15:42 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received missing disclosures - Due Diligence Vendor-08/25/2026 Resolved- - Due Diligence Vendor-08/25/2026 Open- - Due Diligence Vendor-08/25/2026 Ready for Review-see Redisclosed CD attached. - Due Diligence Vendor-08/25/2026 Counter-***Documents uploaded do not include the revised LE issued within 3 business days of the date of change of xxx. - Due Diligence Vendor-06/29/2026 Ready for Review-see LE attached - Due Diligence Vendor-06/25/2026 Counter-***Received revised LE. We are still missing the revised CD issued within 3 business days of the xxx COC discovery date disclosing the Loan Discount Points fee of xxx - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-see attached LE redisclosed - Due Diligence Vendor-06/23/2026 Counter-**COC provided has a discovery date of xxx. The original file indicates the initial rate was locked on xxx. We are missing both the revised LE issued withing 3 business days of the initial lock AND the revised CD issued within 3 business days of the rate change of xxx. Both documents are needed to complete compliance testing. - Due Diligence Vendor-06/18/2026 Ready for Review-see attached COC - Due Diligence Vendor-06/17/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ******Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-08/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.22% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9764161 | ||||
| 215882 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-16 08:24 | 2026-08-25 15:42 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received missing disclosures - Due Diligence Vendor-08/25/2026 Resolved- - Due Diligence Vendor-08/25/2026 Open- - Due Diligence Vendor-08/25/2026 Ready for Review-Redisclosed CD attached to previous condition. - Due Diligence Vendor-08/25/2026 Counter-***Documents uploaded do not include the revised LE issued within 3 business days of the date of change of xxx. - Due Diligence Vendor-06/29/2026 Counter-***Received revised LE. We are still missing the revised CD issued within 3 business days of the xxx COC discovery date disclosing the Loan Discount Points fee of xxx- Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-see attached LE redisclosed - Due Diligence Vendor-06/23/2026 Counter-**COC provided has a discovery date of xxx. The original file indicates the initial rate was locked on xxx. We are missing both the revised LE issued withing 3 business days of the initial lock AND the revised CD issued within 3 business days of the rate change of xxx. Both documents are needed to complete compliance testing. - Due Diligence Vendor-06/18/2026 Ready for Review-see COC attached to prior condition - Due Diligence Vendor-06/17/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. *****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked onxxx. Rate dependent charge changes subject to 0% tolerance total xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-08/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.22% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9764162 | |||||
| 215882 | C | A | A | A | C | A | A | A | Closed | FCOM1252 | 2026-06-16 13:34 | 2026-06-25 08:19 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received revised LE - Due Diligence Vendor-06/25/2026 Counter-**COC provided has a discovery date of xxx. The original file indicates the initial rate was locked on xxx. We are missing both the revised LE issued withing 3 business days of the initial lock AND the revised CD issued within 3 business days of the rate change of xxx. Both documents are needed to complete compliance testing. - Due Diligence Vendor-06/18/2026 Ready for Review-see COC attached to prior condition - Due Diligence Vendor-06/17/2026 Open-******Locked TRID disclosure is missing. ********A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/16/2026 Open-Missing Locked LE / CD**** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-06/16/2026 |
Resolved-**Received revised LE - Due Diligence Vendor-06/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.22% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9772105 | |||||
| 215882 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-06-16 08:24 | 2026-06-25 08:02 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received Revised LE - Due Diligence Vendor-06/25/2026 Ready for Review-see attached LE redisclosed - Due Diligence Vendor-06/23/2026 Counter-**COC provided has a discovery date of xxx. The original file indicates the initial rate was locked on xxx. We are missing both the revised LE issued withing 3 business days of the initial lock AND the revised CD issued within 3 business days of the rate change of xxx Both documents are needed to complete compliance testing. - Due Diligence Vendor-06/18/2026 Ready for Review-see COC attached to prior condition - Due Diligence Vendor-06/17/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx and xxx. ******Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received Revised LE - Due Diligence Vendor-06/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.22% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9764157 | |||||
| 215882 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-06-16 08:24 | 2026-06-25 08:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-***Received Revised LE - Due Diligence Vendor-06/25/2026 Ready for Review-see attached LE redisclosed - Due Diligence Vendor-06/23/2026 Counter-**COC provided has a discovery date of xxx. The original file indicates the initial rate was locked on xxx. We are missing both the revised LE issued withing 3 business days of the initial lock AND the revised CD issued within 3 business days of the rate change of xxx. Both documents are needed to complete compliance testing. - Due Diligence Vendor-06/18/2026 Ready for Review-see COC attached to prior condition - Due Diligence Vendor-06/17/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ******Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-***Received Revised LE - Due Diligence Vendor-06/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.22% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9764158 | |||||
| 647326 | D | B | C | B | D | A | A | A | Closed | FCRE1194 | 2026-06-16 18:35 | 2026-06-25 16:01 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception - Due Diligence Vendor-06/25/2026 Ready for Review-see attached exception approval - Due Diligence Vendor-06/24/2026 Counter-the Approved Exception form provided is Blank, Missing a Signed and Dated Lender Approved exception. - Due Diligence Vendor-06/23/2026 Ready for Review-please see exception request attached - Due Diligence Vendor-06/22/2026 Open-Audited LTV of 73.65% exceeds Guideline LTV of 70% Max LTV is 70% due to property in rural area. Exception missing - Due Diligence Vendor-06/16/2026 |
Waived-Lender exception - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 9780841 | ||||
| 647326 | D | B | C | B | D | A | A | A | Closed | FCOM1231 | 2026-06-16 00:47 | 2026-06-23 10:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/23/2026 Ready for Review-see attached initial 1003 - Due Diligence Vendor-06/22/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-06/16/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9757922 | ||||
| 647326 | D | B | C | B | D | A | A | A | Closed | FCOM1266 | 2026-06-16 06:55 | 2026-06-19 15:06 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-**Received disclosure - Due Diligence Vendor-06/19/2026 Ready for Review-see attached Homeownership Counseling Disclosure - Due Diligence Vendor-06/18/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/16/2026 |
Resolved-**Received disclosure - Due Diligence Vendor-06/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9762872 | ||||
| 943691 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 451462 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 963695 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 459529 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 317199 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 541520 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 423574 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-06-17 15:41 | 2026-06-19 16:19 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received ICD - Due Diligence Vendor-06/19/2026 Ready for Review-see attached CD - Due Diligence Vendor-06/18/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 |
Resolved-Received ICD - Due Diligence Vendor-06/19/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.11 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9798279 | ||||
| 127699 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 509856 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-17 00:12 | 2026-06-24 14:14 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. xxx Statements uploaded. - Buyer-06/23/2026 Counter-Please resend the statements for the xxx xxx with xxx, it appears have been cutoff when originally scanned. Thanks - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Pls see Asset Breakdown provided. - Buyer-06/19/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Short funds to close of xxx. - Due Diligence Vendor-06/17/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Asset breakdown LOE.pdf Truist Statements.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9782411 | ||||
| 122643 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 979207 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 854531 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-06-17 12:00 | 2026-06-30 08:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/30/2026 Ready for Review-see final 1003 attached - Due Diligence Vendor-06/29/2026 Open-The Final 1003 is Missing. - Due Diligence Vendor-06/17/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/30/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.96% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9793734 | ||||
| 854531 | D | A | D | A | D | A | A | A | Closed | FCRE9959 | 2026-06-17 01:37 | 2026-06-19 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-FCD provided - Due Diligence Vendor-06/19/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/19/2026 Ready for Review-see attached CD - Due Diligence Vendor-06/17/2026 Open-Missing Final Settlement Statement/equivalent. - Due Diligence Vendor-06/17/2026 |
Resolved-FCD provided - Due Diligence Vendor-06/19/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.96% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9783167 | ||||
| 350155 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 951316 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-17 09:58 | 2026-07-01 12:26 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-07/01/2026 Ready for Review-PCCD attached with disbursement date 06/15 - Due Diligence Vendor-06/29/2026 Counter-***PCCD provider is not for the subject borrower/property. - Due Diligence Vendor-06/29/2026 Ready for Review-see attached PCCD - Due Diligence Vendor-06/25/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx.Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-07/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9790278 | ||||
| 835590 | D | A | D | A | D | A | A | A | Closed | FCOM1266 | 2026-06-17 11:20 | 2026-07-28 10:13 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/28/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/28/2026 Ready for Review-Pls see pg 25-28 of initial disclosure pkg - Due Diligence Vendor-07/27/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/17/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9792036 | ||||
| 835590 | D | A | D | A | D | A | A | A | Closed | FCOM1262 | 2026-06-17 11:20 | 2026-07-28 10:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-07/28/2026 Ready for Review-Right to Cancel - Due Diligence Vendor-07/27/2026 Open-Right of Rescission is Missing - Due Diligence Vendor-06/18/2026 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-07/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9792038 | ||||
| 835590 | D | A | D | A | D | A | A | A | Closed | FCOM1231 | 2026-06-17 01:25 | 2026-07-28 08:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/28/2026 Ready for Review-1003 initial - Due Diligence Vendor-07/27/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-06/17/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9783073 | ||||
| 835590 | D | A | D | A | D | A | A | A | Closed | FCRE9814 | 2026-06-17 02:57 | 2026-07-27 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Agreement provided - Due Diligence Vendor-07/27/2026 Ready for Review-Trust docs - Due Diligence Vendor-07/27/2026 Open-TRUST DOCUEMENT ARE MISSING IN FILE. - Due Diligence Vendor-06/17/2026 |
Resolved-Trust Agreement provided - Due Diligence Vendor-07/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9784355 | ||||
| 578629 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 115627 | D | A | D | A | D | A | A | A | Closed | FCRE1198 | 2026-06-17 07:25 | 2026-07-16 11:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 1.15 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/16/2026 Resolved-Lender matrix updated with new guidelines. - Due Diligence Vendor-07/16/2026 Ready for Review-Please see matrix attached - Due Diligence Vendor-07/14/2026 Counter-Document Uploaded. Missing all pages of the Matrix/Guidelines "Additional Requirements & Footnotes state "1" refer to reserves section in the Guidelines - Due Diligence Vendor-07/13/2026 Ready for Review-see attached, Per guideline effective date xxx Investor xxx page 1 DSCR>1.00 - Due Diligence Vendor-07/10/2026 Counter-Our senior management hasn't provided any other lender guidelines showing zero reserves. Could you provide a fuller example of what you were using with guideline date and lender program. Thank you - Due Diligence Vendor-07/10/2026 Ready for Review-Please see attached email from underwriting no reserves needed. - Due Diligence Vendor-07/01/2026 Counter-Please provide the guidelines and the date of the guidelines. I'm unable to find any with a 0 reserve requirement. All have 3 months required. Thanks - Due Diligence Vendor-06/30/2026 Ready for Review-see attached email from underwriting. - Due Diligence Vendor-06/30/2026 Open-Upon receipt of Final CD with funds from the borrower, there are now insufficient reserves. Please provide documentation for sufficient reserves. - Due Diligence Vendor-06/30/2026 Open-Audited Reserves of 2.17 are less than Guideline Required Reserves of 3 Audited Reserves of 2.17 month are less than Guideline Required Reserves of 3 months. Final figures to be re-evaluated based on Final CD. - Due Diligence Vendor-06/17/2026 |
Resolved-Audited Reserves of 1.15 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/16/2026 Resolved-Lender matrix updated with new guidelines. - Due Diligence Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9787709 | ||||
| 115627 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-06-17 05:06 | 2026-06-30 13:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved- - Due Diligence Vendor-06/30/2026 Ready for Review-Final 1003 attached - Due Diligence Vendor-06/30/2026 Open-The Final 1003 is Missing . - Due Diligence Vendor-06/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9785084 | |||||
| 115627 | D | A | D | A | D | A | A | A | Closed | FCRE9959 | 2026-06-17 05:18 | 2026-06-30 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-FCD provided causing insufficient reserves - Due Diligence Vendor-06/30/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/30/2026 Ready for Review-Final CD attached - Due Diligence Vendor-06/30/2026 Open-Missing Final Settlement Statement/equivalent. - Due Diligence Vendor-06/17/2026 |
Resolved-FCD provided causing insufficient reserves - Due Diligence Vendor-06/30/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/30/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9786175 | ||||
| 221605 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 171144 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 410509 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 180850 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 492325 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 140843 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 568370 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-19 11:59 | 2026-06-24 14:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Credit refresh xxx attached. - Buyer-06/23/2026 Open-Borrower 1 Gap Credit Report is Missing. Refresher credit required within 10 days prior to consummation. CBR = xxx and Note = xxx. - Due Diligence Vendor-06/19/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9844577 | ||||
| 950726 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-06-19 04:15 | 2026-06-25 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/25/2026 Ready for Review-see attached final title commitment - Due Diligence Vendor-06/24/2026 Open-Title Document is missing - Due Diligence Vendor-06/19/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9837993 | ||||
| 561659 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 126626 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 681392 | C | A | A | A | C | A | A | A | Closed | FCOM1797 | 2026-06-19 11:18 | 2026-06-26 09:34 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/26/2026 Ready for Review-see attached initial LE - Due Diligence Vendor-06/24/2026 Counter-***Received duplicate copy of LE issued xxx. We are still missing a copy of the initial LE issued within 3 business days of the application date. - Due Diligence Vendor-06/23/2026 Ready for Review-Attached prior condition - Due Diligence Vendor-06/22/2026 Open-SSPL is missing - Due Diligence Vendor-06/19/2026 |
Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.45 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9843954 | ||||
| 681392 | C | A | A | A | C | A | A | A | Closed | FCOM3957 | 2026-06-19 11:23 | 2026-06-26 09:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/26/2026 Ready for Review-see attached LE to prior condition. - Due Diligence Vendor-06/24/2026 Counter-***Received duplicate copy of LE issued xxx. We are still missing a copy of the initial LE issued within 3 business days of the application date. - Due Diligence Vendor-06/23/2026 Ready for Review-see attached LE - Due Diligence Vendor-06/22/2026 Open-Documentation provided does not contain the Initial Loan Estimate Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/19/2026 |
Resolved-***Received ILE and SSPL - Due Diligence Vendor-06/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.45 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9844025 | ||||
| 537202 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 390961 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-06-22 11:32 | 2026-07-06 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-2025 COGS received - Due Diligence Vendor-07/06/2026 Ready for Review-see certificate of good standing attached - Due Diligence Vendor-07/06/2026 Counter-formation received. still need COGS - Due Diligence Vendor-07/01/2026 Ready for Review-see att - Due Diligence Vendor-07/01/2026 Counter-received Operating Agreement and EIN however still need COGS (Certificate of Good standing) and Articles of incorporation. - Due Diligence Vendor-06/29/2026 Ready for Review-see Operating agreement attached - Due Diligence Vendor-06/29/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and evidence of EIN - Due Diligence Vendor-06/22/2026 |
Resolved-2025 COGS received - Due Diligence Vendor-07/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9865214 | ||||
| 678724 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 735266 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-06-22 03:31 | 2026-06-24 07:29 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Updated HOI with eff xxx uploaded. - Buyer-06/24/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/23/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx, is after the Disbursement Date of xxx - Due Diligence Vendor-06/22/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9853341 | ||||
| 361327 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-06-22 13:35 | 2026-06-30 09:39 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxxOr Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/30/2026 Ready for Review-EOI attached - Due Diligence Vendor-06/29/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/22/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9869493 | ||||
| 860947 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 552162 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 165276 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-06-23 17:09 | 2026-06-26 04:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-EIN provided and articles shows B1 is 100% owner - Due Diligence Vendor-06/26/2026 Ready for Review-see business documentation attached. - Due Diligence Vendor-06/25/2026 Open-The file is missing the Operating Agreement and documentation verifying the EIN/Tax ID Number for the business entity (xxx. - Due Diligence Vendor-06/23/2026 |
Resolved-EIN provided and articles shows B1 is 100% owner - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9900748 | ||||
| 165276 | D | A | D | A | A | A | A | A | Closed | FCRE6843 | 2026-06-23 17:17 | 2026-06-26 04:35 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Missing sufficient documentation including gift letter for the xxx on the FCD. The only gift letters in file are for xxx and xxx. However no reserves need and gift letter covers fund to close. - Due Diligence Vendor-06/26/2026 Ready for Review-see gift letter attached - Due Diligence Vendor-06/25/2026 Open-Missing gift documentation. The subject transaction is a purchase and the borrower was qualified with xxx gift and the final Closing Disclosure confirms the borrower was credited xxx in gift funds. The borrower received cash back of xxx at closing but the file only contains a Gift Letter and gift funds receipts from Escrow that total xxx. The file is missing a fully executed Gift Letter and receipt for the xxx additional gift funds received (xxx-xxx). - Due Diligence Vendor-06/23/2026 |
Resolved-Missing sufficient documentation including gift letter for the xxx on the FCD. The only gift letters in file are for xxx and xxx. However no reserves need and gift letter covers fund to close. - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9900817 | ||||
| 296710 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 820996 | C | A | A | A | A | A | C | A | Closed | FVAL1628 | 2026-06-24 05:45 | 2026-07-17 12:43 | Resolved | 1 - Information | C | A | Property | Property Issue | No HOA fees on appraisal and property identified as a PUD | Resolved-updated 1008 received - Due Diligence Vendor-07/17/2026 Ready for Review-1008 attached. - Due Diligence Vendor-07/16/2026 Counter-Document Uploaded. Deed of Trust (PUD rider was included) list the property type as a PUD. - Due Diligence Vendor-07/15/2026 Ready for Review-The property is not a PUD. The property type in Byte was mistakenly marked as a PUD. - Buyer-07/13/2026 Open-1008 and Deed of Trust (PUD rider was included) list the property type as a PUD. Appraisal lists subject property as a single family. Appropriate property type to be determined and all final loan documentation should be updated accordingly. - Due Diligence Vendor-06/24/2026 |
Resolved-updated 1008 received - Due Diligence Vendor-07/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9908509 | ||||
| 427838 | D | A | A | A | A | A | D | A | Closed | FVAL2301 | 2026-06-24 07:08 | 2026-07-09 11:57 | Resolved | 1 - Information | D | A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved-Appraiser made adjustment to comparison for patio repair and made appraisal as-is. Internal property otherwise in well managed condition. - Due Diligence Vendor-07/09/2026 Ready for Review-The appraisal was completed "As Is." The appraiser treated the patio ceiling drywall as deferred maintenance and applied a xxx cost-to-cure adjustment in both the Sales Comparison and Cost Approaches. No completion or repair certification (1004D) was required by the appraisal. Thank you, - Buyer-07/08/2026 Open-Appraisal is "as is", but the appraiser added a xxx cost to cure for a severely damaged ceiling (photo pg 31) and then deducted this from the final value. This is a health and safety issue. No 1004D was found in the file. - Due Diligence Vendor-06/24/2026 |
Resolved-Appraiser made adjustment to comparison for patio repair and made appraisal as-is. Internal property otherwise in well managed condition. - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.47 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.46 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.57% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9909515 | |||||
| 249901 | D | A | D | A | C | A | A | A | Closed | finding-3652 | 2026-06-24 09:08 | 2026-06-29 09:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-***Received COC - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-see attached COC - Due Diligence Vendor-06/25/2026 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The specific Lender Credit(s) have been removed, resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of removal. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-***Received COC - Due Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.42% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.65 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9911118 | |||||
| 249901 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-06-24 09:08 | 2026-06-29 09:22 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received COC - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-see attached COC - Due Diligence Vendor-06/25/2026 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following charges have been either added: Loan ORIGINATION Fee resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-***Received COC - Due Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.42% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.65 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9911119 | |||||
| 249901 | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2026-06-24 09:08 | 2026-06-29 09:22 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received COC - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-see attached COC - Due Diligence Vendor-06/25/2026 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-***Received COC - Due Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.42% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.65 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9911120 | ||||
| 249901 | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2026-06-24 09:08 | 2026-06-29 09:22 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received COC - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-see attached COC - Due Diligence Vendor-06/25/2026 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-***Received COC - Due Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.42% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.65 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9911121 | |||||
| 249901 | D | A | D | A | C | A | A | A | Closed | FCRE1145 | 2026-06-24 00:28 | 2026-06-26 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/26/2026 Ready for Review-Title commitment attached - Due Diligence Vendor-06/25/2026 Open-Title Document is missing - Due Diligence Vendor-06/24/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.42% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.65 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9905267 | ||||
| 779180 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 246455 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 646756 | D | A | B | A | A | A | D | A | Closed | FPRO1243 | 2026-06-24 12:24 | 2026-06-26 04:13 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Second Appraisal is Missing | Resolved- - Due Diligence Vendor-06/26/2026 Ready for Review-see attached second appraisal. - Due Diligence Vendor-06/25/2026 Open-Second Appraisal is Missing. Guidelines required 2nd full apprisal for loan amounts > xxx. - Due Diligence Vendor-06/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.02 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.39% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9916456 | |||||
| 646756 | D | A | B | A | A | A | D | A | Closed | FCRE1182 | 2026-06-24 05:05 | 2026-06-26 04:07 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/26/2026 Ready for Review-see attached 1008 - Due Diligence Vendor-06/25/2026 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-06/24/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.02 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.39% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9906785 | ||||
| 859601 | D | B | B | A | D | B | A | A | Closed | finding-3734 | 2026-07-06 15:57 | 2026-09-09 17:22 | Cured | 2 - Non-Material | C | B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Remediation package and proof of refund has been provided - Due Diligence Vendor-09/09/2026 Ready for Review-PCCD and LOE attached to review. - Due Diligence Vendor-09/09/2026 Counter-***Received shipping label and copy of the refund check. xxx package is incomplete, we are missing the LOE and PCCD. - Due Diligence Vendor-09/03/2026 Ready for Review-Attached is the check (xxx), LOE, and proof of delivery to borrower. - Due Diligence Vendor-09/03/2026 Counter-**Received lender's explanation in relation to the xxx threshold. However, the loan has failed the TRID foreclosure rescission total of payments test. See 12 CFR §1026.23(h)(2)(ii) in relation to the xxx threshold. Finding remains unresolved. Please consult with internal compliance/legal dept. - Due Diligence Vendor-08/28/2026 Ready for Review-If we’re reading this correctly, looks like reviewer is saying that we erroneously excluded the 2 charges totaling xxx from the Total of Payments Calculation of xxx, So the total of payments should have been xxx and as a result it is being considered as not accurate for purposes of rescission because it is understated by more than xxx. However, from what we can find, CFPB revised § 1026.38(o)(1) to specifically provide that “the disclosed total of payments shall be treated as accurate if the amount disclosed as the total of payments: (i) is understated by no more than xxx”; not xxx. § 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). https://www.consumerfinance.gov/rules-policy/regulations/1026/38/#4980d95ac7c9a0a1c1473be26b22520d31cf3be493c45d433a205560 - Due Diligence Vendor-08/27/2026 Counter-******************Lender disclosed two title charges in Section H but erroneously excluded the charges of xxx from the TOP calculation. For material disclosure violations, please provide: (1) corrected PCCD; (2) specific LOE addressing the TOP error; (3) new NORTC with a new 3-day rescission period; and (4) proof of delivery - Due Diligence Vendor-08/26/2026 Counter-******************Lender disclosed two title charges in Section H but erroneously excluded the charges of xxx from the TOP calculation. For material disclosure violations, please provide: (1) corrected PCCD; (2) specific LOE addressing the TOP error; (3) new NORTC with a new 3-day rescission period; and (4) proof of delivery - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-08/26/2026 Counter-******************Lender disclosed two title charges in Section H but erroneously excluded the charges of xxx from the TOP calculation. For material disclosure violations, please provide: (1) corrected PCCD; (2) specific LOE addressing the TOP error; (3) new NORTC with a new 3-day rescission period; and (4) proof of delivery - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. - Seller-07/16/2026 Counter-**Received duplicate copy of CD previously provided. Page 1 of the document is missing information in the following sections: Loan Terms, Projected Payments. Page 4's Loan calculations are all blank: Total of Payment, Finance Charge, Amount, Financed, etc. - Due Diligence Vendor-07/14/2026 Ready for Review-Please see attached CD from title set up team entered "title" before the fee but title's CD does not have it. - Due Diligence Vendor-07/13/2026 Counter-**Received CD issued 6/12 with information missing information throughout the document: Loan Terms, Projected Payments in page 1, loan calculations in page 5 - lender to explain. Additional CD issued xxx and addendum still not provide explanation or evidence that title fees in section H are optional. - Due Diligence Vendor-07/10/2026 Ready for Review-Please see attached CD - Due Diligence Vendor-07/09/2026 Counter-***Updated compliance testing still result in a fail of the Total Of Payment. Lender to provide explanation in relation to the 2 title fees placed in Section H vs Section C that were excluded from the Total of Payment calculation and provide documentation in support if these fees being optional. - Due Diligence Vendor-07/09/2026 Open-~~~~~~~~~~~~ILE provided in curative for complete compliance testing, resulting in additional findings. ******* Lender incorrectly disclosed the Title -Judgment Search in the amount of xxx and Title -Simplifile Fee in the amount of xxx. in Section H of the Final Closing Disclosure, whereby excluding them from Total of Payments calculation. TOP violation amount is xxx, please provide copy of restitution check, Specific LOE, PCCD and proof of delivery to the borrower. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open-This loan failed the TRID foreclosure rescission total of payments test. ( 12 CFR §1026.23(h)(2)(ii) )The total of payments is xxx. The disclosed total of payments charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. - Seller-07/16/2026 |
Cured-Remediation package and proof of refund has been provided - Due Diligence Vendor-09/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10078318 | |||
| 859601 | D | B | B | A | D | B | A | A | Closed | FCRE1183 | 2026-07-13 07:50 | 2026-07-17 06:55 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/17/2026 Ready for Review-1008 attached for review. - Due Diligence Vendor-07/16/2026 Open-1008/Underwriting Summary Partially Provided Missing updated 1008 reflecting the HOA fees being removed, and removing the PUD for property type with ratios. - Due Diligence Vendor-07/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10201649 | ||||
| 859601 | D | B | B | A | D | B | A | A | Closed | FCOM1227 | 2026-06-23 21:35 | 2026-07-16 18:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-07/13/2026 Ready for Review-Please see revised appraisal reflecting property is not a PUD. - Due Diligence Vendor-07/10/2026 Open-PUD Rider is Missing - Due Diligence Vendor-06/24/2026 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-07/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9905001 | ||||
| 859601 | D | B | B | A | D | B | A | A | Closed | finding-3631 | 2026-06-24 03:08 | 2026-07-09 08:37 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-07/09/2026 Counter- - Due Diligence Vendor-07/09/2026 Counter-ILE provided in curative for complete compliance testing, resulting in additional findings. ******* Lender identified the need for Title -Tax Lien Release on RLE xxx, however, did not redisclose the increased recording charge until Final Closing Disclosure. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Ready for Review-see attached LE - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9906207 | ||||
| 859601 | D | B | B | A | D | B | A | A | Closed | finding-3632 | 2026-06-24 03:08 | 2026-07-09 08:37 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-07/09/2026 Resolved- - Due Diligence Vendor-07/09/2026 Ready for Review-SEE ATTACHED COC'S AND PCCD - Due Diligence Vendor-07/08/2026 Counter-ILE provided in curative for complete compliance testing, resulting in additional findings. ******* Lender identified the need for Title -Tax Lien Release on RLE xxx, however, did not redisclose the increased recording charge until Final Closing Disclosure. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Ready for Review-see attached LE - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9906208 | ||||
| 859601 | D | B | B | A | D | B | A | A | Closed | finding-3635 | 2026-06-24 03:08 | 2026-07-09 08:37 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received COC - Due Diligence Vendor-07/09/2026 Resolved- - Due Diligence Vendor-07/09/2026 Open-ILE provided in curative for complete compliance testing, resulting in additional findings. ******* Lender identified the need for Title -Tax Lien Release on RLE xxx, however, did not redisclose the increased recording charge until Final Closing Disclosure. 10% tolerance cure in the amount ofxxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx establishing a 10% baseline of xxx. Final charges to borrower xxx 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9906209 | |||||
| 859601 | D | B | B | A | D | B | A | A | Closed | finding-3515 | 2026-06-24 03:08 | 2026-07-09 08:37 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-**Received COC - Due Diligence Vendor-07/09/2026 Resolved- - Due Diligence Vendor-07/09/2026 Ready for Review-See attached COC's and PCCD - Due Diligence Vendor-07/08/2026 Counter-ILE provided in curative for complete compliance testing, resulting in additional findings. ******* Lender identified the need for Title -Tax Lien Release on RLE xxx, however, did not redisclose the increased recording charge until Final Closing Disclosure. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review- - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-LE attached to prior condition - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9906210 | ||||
| 859601 | D | B | B | A | D | B | A | A | Closed | FCOM1797 | 2026-06-24 10:56 | 2026-07-06 16:13 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-SPL provided - Due Diligence Vendor-07/06/2026 Ready for Review-see attached disclosures - Due Diligence Vendor-07/06/2026 Open-*******Service Provider List is missing. Please provide entire initial disclosure package, issued within 3 days or borrower application, for review. - Due Diligence Vendor-06/24/2026 |
Resolved-SPL provided - Due Diligence Vendor-07/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.68% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9913303 | ||||
| 267476 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 578771 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 418291 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 966206 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 644518 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 754602 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 147945 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 290908 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 288908 | D | B | D | B | A | A | D | A | Closed | FPRO1244 | 2026-07-06 12:36 | 2026-08-27 12:40 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-08/27/2026 Ready for Review-xxx - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-07/06/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.43 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.44 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10073582 | |||||
| 288908 | D | B | D | B | A | A | D | A | Closed | FCRE1183 | 2026-06-26 06:36 | 2026-07-16 06:23 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/06/2026 Ready for Review-see attached final 1008 - Due Diligence Vendor-07/02/2026 Open-1008/Underwriting Summary Partially Provided ------------------------ Missing 1008 showing 12 months income of xxx as seen on P&L, (1 yr P&L income is xxx but , as per the 1003 xxx this is the income mentioned, 1008 income will match with 5 months of the net income ) - Due Diligence Vendor-06/26/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/06/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.43 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.44 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9952468 | ||||
| 288908 | D | B | D | B | A | A | D | A | Closed | FCRE1194 | 2026-07-01 10:57 | 2026-07-16 06:21 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception for LTV - Due Diligence Vendor-07/16/2026 Ready for Review-see attached exception - Due Diligence Vendor-07/14/2026 Open-Missing lender approved exception form. - Due Diligence Vendor-07/07/2026 Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception (page 189) for LTV - Due Diligence Vendor-07/01/2026 |
Waived-Lender exception for LTV - Due Diligence Vendor-07/16/2026 Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception (page 189) for LTV - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.43 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.44 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | 10022867 | ||||
| 288908 | D | B | D | B | A | A | D | A | Closed | FCRE1157 | 2026-06-26 00:24 | 2026-07-01 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2026 Ready for Review-Hazard insurance attached - Due Diligence Vendor-06/30/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/26/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.43 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.44 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9948432 | ||||
| 672016 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 424641 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 371595 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 148510 | D | B | D | A | C | B | A | A | Closed | finding-3631 | 2026-06-26 14:49 | 2026-08-24 08:28 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received cure package - Due Diligence Vendor-08/24/2026 Resolved-***Received cure package - Due Diligence Vendor-08/24/2026 Resolved- - Due Diligence Vendor-08/24/2026 Ready for Review-See LOE and PCCD sent to borrower - Due Diligence Vendor-08/21/2026 Counter-**Received COC document with fee. Document alone does not resolve as it does not provide a valid COC reason. - Due Diligence Vendor-07/09/2026 Ready for Review-Please see attached COC for re-inspection fee - Due Diligence Vendor-07/08/2026 Counter-Received duplicate copy of CD issued xxx. This document does not resolve the finding. The Appraisal re-inspection fee was first disclosed in the revised CD issued xxx. - Due Diligence Vendor-07/07/2026 Ready for Review-see attached CD xxx - Due Diligence Vendor-07/06/2026 Counter-TPR Escalation Review: A valid Change of Circumstance "form" cannot be sufficient to support the fee increase. Pursuant to 12 CFR § 1026.19(e)(4)(i), a revised Loan Estimate (or Closing Disclosure, if applicable) must be provided within three business days of receiving information sufficient to establish the changed circumstance. ----The appraisal report was made "subject to" repairs on xxx and was signed by the appraiser on xxx. The documentation supports that the lender had information sufficient to establish the need for the reinspection fee no later than xxx. However, the additional reinspection charge was not disclosed to the borrower within the required three-business-day timeframe. As a result, the increase to the previously disclosed charge violates the TRID timing requirements for revised disclosures. Accordingly, a 0% tolerance cure in the amount of xxx is required. Please provide the Post-Closing Changed Circumstance Documentation (PCCD), Letter of Explanation (LOE), a copy of the refund check, and proof of mailing. - Due Diligence Vendor-07/06/2026 Ready for Review-COC -appraisal re-inspection fee attached - Due Diligence Vendor-07/02/2026 Counter-***Received duplicate copy of the final CD. This document does not resolve the finding. There is an Appraisal Fee - reinspection that was added in the revised CD issued xxx. The original file does not contain a valid COC/reason in relation to the fee. - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/27/2026 Open- - Due Diligence Vendor-06/26/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 |
Cured-***Received cure package - Due Diligence Vendor-08/24/2026 Resolved-***Received cure package - Due Diligence Vendor-08/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9961856 | ||||
| 148510 | D | B | D | A | C | B | A | A | Closed | finding-3634 | 2026-06-26 14:49 | 2026-08-24 08:09 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-***Received cure package - Due Diligence Vendor-08/24/2026 Resolved-***Received cure package - Due Diligence Vendor-08/24/2026 Resolved- - Due Diligence Vendor-08/24/2026 Ready for Review-see attached copy of check to borrower - Due Diligence Vendor-08/21/2026 Counter-**Received COC document with fee. Document alone does not resolve as it does not provide a valid COC reason. - Due Diligence Vendor-07/09/2026 Ready for Review-Please see attached COC for re-inspection fee - Due Diligence Vendor-07/08/2026 Counter-Received duplicate copy of CD issued xxx. This document does not resolve the finding. The Appraisal re-inspection fee was first disclosed in the revised CD issued xxx. - Due Diligence Vendor-07/07/2026 Counter-TPR Escalation Review: A valid Change of Circumstance "form" cannot be sufficient to support the fee increase. Pursuant to 12 CFR § 1026.19(e)(4)(i), a revised Loan Estimate (or Closing Disclosure, if applicable) must be provided within three business days of receiving information sufficient to establish the changed circumstance. ----The appraisal report was made "subject to" repairs on xxx and was signed by the appraiser on xxx. The documentation supports that the lender had information sufficient to establish the need for the reinspection fee no later than xxx. However, the additional reinspection charge was not disclosed to the borrower within the required three-business-day timeframe. As a result, the increase to the previously disclosed charge violates the TRID timing requirements for revised disclosures. Accordingly, a 0% tolerance cure in the amount of xxx is required. Please provide the Post-Closing Changed Circumstance Documentation (PCCD), Letter of Explanation (LOE), a copy of the refund check, and proof of mailing. - Due Diligence Vendor-07/06/2026 Ready for Review-COC -appraisal re-inspection fee att - Due Diligence Vendor-07/02/2026 Counter-***Received duplicate copy of the final CD. This document does not resolve the finding. There is an Appraisal Fee - reinspection that was added in the revised CD issued xxx. The original file does not contain a valid COC/reason in relation to the fee. - Due Diligence Vendor-06/30/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/30/2026 Ready for Review-see att - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/27/2026 Open- - Due Diligence Vendor-06/26/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 |
Cured-***Received cure package - Due Diligence Vendor-08/24/2026 Resolved-***Received cure package - Due Diligence Vendor-08/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9961855 | ||||
| 148510 | D | B | D | A | C | B | A | A | Closed | finding-3632 | 2026-06-26 14:49 | 2026-08-24 08:08 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received cure package - Due Diligence Vendor-08/24/2026 Resolved- - Due Diligence Vendor-08/24/2026 Ready for Review-see shipping label proof - Due Diligence Vendor-08/21/2026 Counter-**Received COC document with fee. Document alone does not resolve as it does not provide a valid COC reason. - Due Diligence Vendor-07/09/2026 Counter-Received duplicate copy of CD issued xxx. This document does not resolve the finding. The Appraisal re-inspection fee was first disclosed in the revised CD issued xxx. - Due Diligence Vendor-07/07/2026 Counter-xxx Escalation Review: A valid Change of Circumstance "form" cannot be sufficient to support the fee increase. Pursuant to 12 CFR § 1026.19(e)(4)(i), a revised Loan Estimate (or Closing Disclosure, if applicable) must be provided within three business days of receiving information sufficient to establish the changed circumstance. ----The appraisal report was made "subject to" repairs on xxx and was signed by the appraiser on xxx. The documentation supports that the lender had information sufficient to establish the need for the reinspection fee no later than xxx. However, the additional reinspection charge was not disclosed to the borrower within the required three-business-day timeframe. As a result, the increase to the previously disclosed charge violates the TRID timing requirements for revised disclosures. Accordingly, a 0% tolerance cure in the amount of xxx is required. Please provide the Post-Closing Changed Circumstance Documentation (PCCD), Letter of Explanation (LOE), a copy of the refund check, and proof of mailing. - Due Diligence Vendor-07/06/2026 Ready for Review-COC -appraisal re-inspection fee attached - Due Diligence Vendor-07/02/2026 Counter-***Received duplicate copy of the final CD. This document does not resolve the finding. There is an Appraisal Fee - reinspection that was added in the revised CD issued xxx. The original file does not contain a valid COC/reason in relation to the fee. - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 Ready for Review-see PCC attached - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/27/2026 Open- - Due Diligence Vendor-06/26/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 |
Resolved-***Received cure package - Due Diligence Vendor-08/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9961857 | ||||
| 148510 | D | B | D | A | C | B | A | A | Closed | FCRE1158 | 2026-06-25 23:14 | 2026-06-30 06:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Binder provided - Due Diligence Vendor-06/30/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2026 Ready for Review-see attached - Due Diligence Vendor-06/29/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Number is missing in provided Hazard policy. - Due Diligence Vendor-06/26/2026 |
Resolved-Binder provided - Due Diligence Vendor-06/30/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9948242 | ||||
| 465650 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-06-26 09:44 | 2026-07-01 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/01/2026 Resolved- - Due Diligence Vendor-07/01/2026 Ready for Review-see attached - Due Diligence Vendor-06/30/2026 Open-Purchase Contract is Partial copy. Missing the fully executed Addendum/Amendment or documentation to the Purchase Contract to document the xxx Buyer's Agent Credit to borrower that is reflected in the final Closing Disclosure. - Due Diligence Vendor-06/26/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9955108 | ||||
| 457102 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 981020 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 126680 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 462882 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 419020 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 243556 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 661465 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 901997 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 524478 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2026-06-30 02:47 | 2026-07-02 09:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/02/2026 Ready for Review-Final 1003 attached - Due Diligence Vendor-07/01/2026 Open-The Final 1003 is Incomplete The date is missing on the from the signature page. It cannot be determined if document was the Final 1003 or initial. - Due Diligence Vendor-06/30/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-07/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.32% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.23 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9993768 | ||||
| 859106 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 418503 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 259104 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-07-01 13:39 | 2026-07-08 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-**Received COC - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ******The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10026510 | |||||
| 259104 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-07-01 13:39 | 2026-07-08 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received COC - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-COC ATTACHED FOR REVEIW. - Due Diligence Vendor-07/07/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ******The following charges have been either added or increased: Loan Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10026512 | ||||
| 259104 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-07-01 13:39 | 2026-07-08 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-COC ATTACHED FOR REVEIW - Due Diligence Vendor-07/07/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ******The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.******The following charges have been either added or increased: Loan Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/01/2026 Open-******The following charges have been either added or increased: Loan Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10026513 | ||||
| 259104 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-07-01 13:39 | 2026-07-08 11:32 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-COC ATTACHED FOR REVEIW - Due Diligence Vendor-07/07/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ******The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.******The following charges have been either added or increased: Loan Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxxis required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/01/2026 Open-******The following charges have been either added or increased: Loan Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10026514 | ||||
| 447207 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 904651 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 639612 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-07-01 09:58 | 2026-07-07 16:07 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/07/2026 Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Final 1008 attached - Due Diligence Vendor-07/07/2026 Open-Loan approval and Lenders 1008 reflect the incorrect Loan amount and LTV's - Missing Updated 1008/Loan approval with the correct Loan terms per the Loan documents in the file. - Due Diligence Vendor-07/01/2026 Open-1008/Underwriting Summary Partially Provided As per 1008 loan amount xxx however note and closing documents reflects xxx.therefour LTV getting varied. Provide Updated 1008 - Due Diligence Vendor-07/01/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10020861 | ||||
| 401104 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 771614 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2026-07-02 09:44 | 2026-07-08 08:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception for LTV - Due Diligence Vendor-07/08/2026 Ready for Review-LTV exception attached for review. - Due Diligence Vendor-07/07/2026 Open-Audited LTV of 65% exceeds Guideline LTV of 60% Max LTV for this loan prgrm per matrix is 60%. Missing a lender exception form for the addtional 5% LTV. - Due Diligence Vendor-07/02/2026 |
Waived-Lender exception for LTV - Due Diligence Vendor-07/08/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10041568 | ||||
| 633704 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 776320 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-07-02 02:59 | 2026-07-08 08:16 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-1004D provided - Due Diligence Vendor-07/08/2026 Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/08/2026 Ready for Review-1004D attached for review. - Due Diligence Vendor-07/07/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Appraisal was completed as subject to repairs. Missing 1004D for completion of subject to items. - Due Diligence Vendor-07/02/2026 |
Resolved-1004D provided - Due Diligence Vendor-07/08/2026 Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/08/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.04% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10035792 | ||||
| 685728 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 923337 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-07-06 17:33 | 2026-07-08 11:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received COC - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-COC attached for review. - Due Diligence Vendor-07/07/2026 Open-***** The following charges have been either added or increased: Discount Points increased without evidence of a valid change of circumstance related to pricing resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/06/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.18 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10079442 | ||||
| 923337 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-07-06 17:33 | 2026-07-08 11:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-COC attached for review. - Due Diligence Vendor-07/07/2026 Open-**** Finding in relation to ***** The following charges have been either added or increased: Discount Points increased without evidence of a valid change of circumstance related to pricing resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/07/2026 Open-***** Finding in relation to ***** The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxxis required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 |
Resolved-Received COC - Due Diligence Vendor-07/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.18 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10079443 | |||||
| 923337 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-07-06 17:33 | 2026-07-08 11:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-COC attached for review. - Due Diligence Vendor-07/07/2026 Open-**** Finding in relation to ***** The following charges have been either added or increased: Discount Points increased without evidence of a valid change of circumstance related to pricing resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount ofxxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/07/2026 Open-***** Finding in relation to ***** The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 |
Resolved-Received COC - Due Diligence Vendor-07/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.18 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10079444 | |||||
| 399256 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 155488 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 450847 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 920886 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 746658 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 319721 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-04-10 16:06 | 2026-04-21 14:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/21/2026 Ready for Review-per xxx: the xxx label as gift is included in the xxx. they are using for reserve, please clear condition and loan for purchase. Thank you - Buyer-04/20/2026 Counter-Document Uploaded. Final 1003 reflects a Gift Funds of xxx "checking" Missing from Loan file - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Buyer-04/16/2026 Open-Asset 2 Missing - Due Diligence Vendor-04/10/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/21/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8604090 | |||||
| 196747 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-04-09 06:55 | 2026-04-17 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Buyer-04/16/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-04/09/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8569394 | ||||
| 142255 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 696510 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 701059 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 635800 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 880518 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 944479 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 891510 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 480381 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 449361 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 676238 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 249908 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 156125 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 704113 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-05-07 08:38 | 2026-05-08 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Open-Per Final 1003, Bwr is a Non-Permanent Resident Alien, Per Guidelines: Non-Permanent Resident Aliens - Must have a valid SSN and EAD with a minimum of 90 days remaining on the expiration date at the time of funding. EAD with less than 90 days remaining, requires evidence of application for extension - Due Diligence Vendor-05/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
EAD Extension and Passport.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9081922 | |||||
| 120719 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 525951 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 481790 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 628811 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 436738 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 401798 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 406187 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 983252 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 976990 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 556592 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 456350 | D | A | D | A | C | A | A | A | Closed | FCRE1198 | 2026-06-03 14:19 | 2026-06-08 08:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.35 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. - Buyer-06/04/2026 Open-Audited Reserves of 0.18 are less than Guideline Required Reserves of 3 Reserves in the amount of xxx required. Assets used 2 gift funds in the amount of xxx and xxx verified xxx pg 74 and 254. Unable to locate evidence of xxx wire. Assets are insufficient - Due Diligence Vendor-06/03/2026 |
Resolved-Audited Reserves of 3.35 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9538839 | ||||
| 456350 | D | A | D | A | C | A | A | A | Closed | FCRE1467 | 2026-06-03 14:57 | 2026-06-08 08:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Gift Funds - Buyer-06/04/2026 Open-Unable to locate xxx wire -gift funds - Due Diligence Vendor-06/03/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9539621 | ||||
| 400871 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Cash-Out Refinance | Cash Out - Other | ||||||||||||||||||||
| 604179 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 914440 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-16 03:17 | 2026-06-19 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Buyer-06/18/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Policy number is missing in hazard insurance policy. - Due Diligence Vendor-06/16/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9758984 | ||||
| 817197 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 538092 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 630292 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 825132 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 209024 | D | B | B | B | A | A | D | A | Closed | FPRO1242 | 2026-04-16 00:59 | 2026-07-10 09:27 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-Appraisal is Missing Appraisal is missing. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-04/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.33 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8695443 | |||
| 209024 | D | B | B | B | A | A | D | A | Closed | FCRE8201 | 2026-04-16 01:23 | 2026-04-16 01:23 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-EXCEPTION REQUIRED FOR NOT MEETING 36 MONTHS SEASONING REQUIREMENT FOR LOAN MODIFICATION. BORROWER HAD LOAN MODIFICATIONON xxx FOR xxx. - Due Diligence Vendor-04/16/2026 |
Waived-EXCEPTION REQUIRED FOR NOT MEETING 36 MONTHS SEASONING REQUIREMENT FOR LOAN MODIFICATION. BORROWER HAD LOAN MODIFICATIONON xxx FOR xxx. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.33 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
>10 MONTHS RESERVES; xxx FICO SCORE; BORROWER IS AN EXPERIENCED INVESTOR OWNING AND MANAGING>30 INVESTMENT PROPERTIES |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8695602 | ||||
| 993234 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 423508 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-06-23 08:27 | 2026-07-10 13:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received COC - Due Diligence Vendor-07/10/2026 Resolved- - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. - Seller-07/09/2026 Counter-***Received revised LE and ICD. The CD issue xxx disclosed a Lock Extension fee of xxx that remained through the final CD. The original file does not contain a valid COC reason in relation to the fee. - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/09/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-Received COC - Due Diligence Vendor-07/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9885791 | |||
| 423508 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-23 08:27 | 2026-07-10 13:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-07/10/2026 Resolved- - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. - Seller-07/09/2026 Counter-***Received revised LE and ICD. The CD issue xxx disclosed a Lock Extension fee of xxx that remained through the final CD. The original file does not contain a valid COC reason in relation to the fee. - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Buyer-06/26/2026 Open-Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx Rate dependent charge changes subject to 0% tolerance total xxx A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/09/2026 |
Resolved-Received COC - Due Diligence Vendor-07/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9885792 | |||
| 423508 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-23 08:27 | 2026-07-10 13:00 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-07/10/2026 Resolved- - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. - Seller-07/09/2026 Counter-***Received revised LE and ICD. The CD issue xxx disclosed a Lock Extension fee of xxx that remained through the final CD. The original file does not contain a valid COC reason in relation to the fee. - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/09/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-Received COC - Due Diligence Vendor-07/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9885793 | |||
| 423508 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-19 18:01 | 2026-06-29 16:08 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosure - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Buyer-06/26/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/19/2026 |
Resolved-**Received missing disclosure - Due Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9849388 | ||||
| 423508 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-06-19 18:13 | 2026-06-29 16:07 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received missing disclosures - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on 04/08/2026. Rate dependent charge changes subject to 0% tolerance total xxx A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/23/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx, xxx and xxx. - Due Diligence Vendor-06/19/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/19/2026 Open- - Due Diligence Vendor-06/19/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9849496 | |||
| 644096 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-06-30 15:04 | 2026-07-07 07:27 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Buyer-07/06/2026 Counter-Please provide, this was also not received initially along with appraisal. - Due Diligence Vendor-07/06/2026 Ready for Review-CU Score 2.3 - please waive - Buyer-07/02/2026 Open-Missing CU/LCA with score of 2.5 or less. - Due Diligence Vendor-06/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
SSR's CU Score 2.3.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10007399 | |||||
| 644096 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-06-30 15:03 | 2026-07-07 07:26 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Buyer-07/02/2026 Open-Appraisal is Missing Missing appraisal. - Due Diligence Vendor-06/30/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-07/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
Appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10007317 | ||||
| 629223 | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2026-06-26 14:07 | 2026-07-02 09:51 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-07/02/2026 Ready for Review-Disclosure Timeline and related LE/CDs provided. - Buyer-07/01/2026 Open-Documentation provided does not contain the Initial Closing disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/26/2026 |
Resolved-***Received ICD - Due Diligence Vendor-07/02/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Disclosure Timeline.pdf Disclosure History.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9960490 | ||||
| 629223 | D | A | A | A | D | A | A | A | Closed | finding-3532 | 2026-06-26 14:01 | 2026-07-02 09:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-**Received ICD - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. ICD provided - Buyer-07/01/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 |
Resolved-**Received ICD - Due Diligence Vendor-07/02/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
signed ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9960369 | ||||
| 629223 | D | A | A | A | D | A | A | A | Closed | FCOM1208 | 2026-06-25 21:37 | 2026-06-30 08:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved- - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Complete note copy attached. - Buyer-06/30/2026 Open-The Note is Incomplete Borrower's Signature page is missing - Due Diligence Vendor-06/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
ORIGINAL Note-Addendums.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9948076 | |||||
| 562395 | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2026-06-30 02:38 | 2026-07-06 11:45 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Buyer-07/02/2026 Ready for Review-Document Uploaded. - Buyer-07/02/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/30/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
Homeownership Counseling Disclosure.pdf Homeownership Counseling Disclosure.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9993711 | ||||
| 955063 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-06-30 04:33 | 2026-07-13 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. - Buyer-07/10/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/30/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years |
CREDIT REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9994367 | ||||
| 955063 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-30 04:33 | 2026-07-13 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. - Buyer-07/10/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/30/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years |
gap.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9994368 | ||||
| 857013 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 701159 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-07-02 13:03 | 2026-07-07 06:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-xxx provided - Due Diligence Vendor-07/07/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Buyer-07/06/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-07/02/2026 |
Resolved-xxx provided - Due Diligence Vendor-07/07/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |
CPM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10046306 | ||||
| 365467 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 442047 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 639246 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 909514 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 686901 | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2026-07-06 11:17 | 2026-07-09 11:33 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 Ready for Review-page 22 of uploaded doc. - Buyer-07/08/2026 Open-Service Provider List is Missing - Due Diligence Vendor-07/06/2026 |
Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10071612 | |||||
| 686901 | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2026-07-07 13:00 | 2026-07-09 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 Open-******Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/07/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 |
Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10099600 | ||||
| 686901 | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2026-07-07 13:00 | 2026-07-09 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 Open-******Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/07/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 |
Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10099601 | ||||
| 686901 | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2026-07-07 13:00 | 2026-07-09 11:32 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 Open-******Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/07/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 |
Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10099602 | ||||
| 686901 | D | A | A | A | D | A | A | A | Closed | finding-3635 | 2026-07-07 13:00 | 2026-07-09 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 Open-******Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/07/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Ready for Review-pls review initial disclosure pkg uploaded if it will clear condition. - Seller-07/08/2026 |
Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10099603 | ||||
| 686901 | D | A | A | A | D | A | A | A | Closed | finding-3515 | 2026-07-07 13:00 | 2026-07-09 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 Ready for Review-page 33-35 of uploaded doc. - Seller-07/08/2026 Open-******Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/07/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Ready for Review-page 33-35 of uploaded doc. - Seller-07/08/2026 |
Resolved-**Received ILE and initial disclosures. - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10099604 | ||||
| 686901 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-07-06 11:16 | 2026-07-09 11:15 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/09/2026 Ready for Review-page 26-31 of uploaded doc. - Seller-07/08/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/06/2026 |
Ready for Review-page 26-31 of uploaded doc. - Seller-07/08/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10071598 | ||||
| 686901 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-07-06 01:49 | 2026-07-08 08:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. page 1-11 - Buyer-07/08/2026 Open-The Initial 1003 is Missing. Date Creditor Received Application considered from credit report. (xxx) - Due Diligence Vendor-07/06/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
DisclosureDocument_Initial.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10056306 | ||||
| 414434 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 632623 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 243554 | D | A | D | A | A | A | D | A | Closed | FCRE1258 | 2026-07-07 14:51 | 2026-07-13 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-07/13/2026 Ready for Review-SSRs included in Appraisal report uploaded. - Buyer-07/10/2026 Open-Please verify Collateral Underwriter Score Provided is actually Missing. Loan file is missing the UCDP/SSR (CU & LCA) and or Desk review required by Guidelines. - Due Diligence Vendor-07/07/2026 |
Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-07/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10102067 | |||||
| 243554 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-07-06 07:51 | 2026-07-13 12:44 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. - Buyer-07/10/2026 Open-Appraisal is Missing - Due Diligence Vendor-07/06/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-07/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Appraisal Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10060623 | ||||
| 243554 | D | A | D | A | A | A | D | A | Closed | FCRE1728 | 2026-07-07 15:01 | 2026-07-13 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 provided - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. - Buyer-07/10/2026 Open-Missing rent comparable schedule form 1007 - Due Diligence Vendor-07/07/2026 |
Resolved-1007 provided - Due Diligence Vendor-07/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10102380 | ||||
| 132735 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 156839 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-07-07 01:40 | 2026-07-08 07:29 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. updated HOI - Buyer-07/08/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement and Note Date of xxx. - Due Diligence Vendor-07/07/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years |
Update Homeowner Decalration Page eff 7-2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10085130 | ||||
| 156839 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2026-07-07 10:48 | 2026-07-07 17:11 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-07/07/2026 Open-Asset 1 Does Not Meet Guideline Requirements. Business funds with xxx account is in the name of "xxx." with no evidence of borrower ownership of the business. Guideines requires funds not to exceed the percentage of ownership. - Due Diligence Vendor-07/07/2026 |
Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-07/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10095994 | |||||
| 244526 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 618405 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-07-06 22:41 | 2026-07-09 11:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/09/2026 Ready for Review-see attached initial 1003 - Due Diligence Vendor-07/08/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-07/07/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10083643 | ||||
| 509793 | C | A | C | A | A | A | A | A | Closed | FCRE1480 | 2026-07-07 11:33 | 2026-07-21 19:54 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Does Not Meet Guideline Requirements - Due Diligence Vendor-07/21/2026 Ready for Review-see new 1003/1008 for review. - Due Diligence Vendor-07/21/2026 Open-Asset 2 Does Not Meet Guideline Requirements. Funds from xxx are aged 92 days, maximum days eligible are 90 days. - Due Diligence Vendor-07/07/2026 |
Resolved-Asset 2 Does Not Meet Guideline Requirements - Due Diligence Vendor-07/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10097580 | ||||
| 906777 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 733029 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-07-08 01:57 | 2026-07-17 14:31 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/17/2026 Ready for Review-see HOI attached - Due Diligence Vendor-07/17/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Additional coverage was not provided and and/or guaranteed replacement cost was not noted on HOI cert (pg 277) - Due Diligence Vendor-07/08/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 48.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10108895 | ||||
| 780730 | D | A | A | A | D | A | A | A | Closed | FCOM1282 | 2026-07-08 13:26 | 2026-07-17 14:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Texas F2 Notice for Home Equity Disclosure is Missing | Resolved-xxx F2 Notice for Home Equity Disclosure is Present or Not Applicable - Due Diligence Vendor-07/17/2026 Ready for Review-Following up on this. this loan is a rate & term 12-day notice of extension does not apply. - Due Diligence Vendor-07/16/2026 Open-xxx F2 Notice for Home Equity Disclosure is Missing ********* 50(a)6 Notice of Extension of Credit executed by Borrower(s) and/or Nonborrowing Spouse(s), proof of delivery not less than 12 days prior to consummation, has not been provided. - Due Diligence Vendor-07/08/2026 |
Resolved-xxx F2 Notice for Home Equity Disclosure is Present or Not Applicable - Due Diligence Vendor-07/17/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10126011 | |||||
| 139373 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 892079 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-07-13 14:12 | 2026-07-17 05:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-07/17/2026 Resolved- - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Asset breakdown LOE. - Seller-07/16/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 Please provide proof of EMD iao xxx deposited and cleared. - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Asset breakdown LOE. - Seller-07/16/2026 |
Resolved-Audited Reserves of 7 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-07/17/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Asset.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10210791 | |||
| 892079 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-07-13 14:10 | 2026-07-17 05:52 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. EMD clearance - Seller-07/16/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Please provide proof of EMD iao xxx deposited and cleared. - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. EMD clearance - Seller-07/16/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/17/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10210737 | |||
| 892079 | D | A | D | A | A | A | A | A | Closed | FCRE5790 | 2026-07-13 08:00 | 2026-07-17 05:42 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/17/2026 Resolved- - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Debt Monitoring report provided. No new debt incur during monitoring period. - Seller-07/16/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Debt Monitoring report provided. No new debt incur during monitoring period. - Seller-07/16/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/17/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Credit - UDM (Send to Investor).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10201782 | |||
| 892079 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-07-13 06:25 | 2026-07-17 05:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Purchase contract uploaded. - Seller-07/16/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Purchase contract uploaded. - Seller-07/16/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/17/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Purchase Agreement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10200483 | |||
| 328155 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-09 03:19 | 2026-07-22 10:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-07/22/2026 Ready for Review-PCCD attached for review. - Due Diligence Vendor-07/21/2026 Counter-Subject loan is a Primary and a PCCD is required. - Due Diligence Vendor-07/17/2026 Ready for Review-see attached email from underwriting - Due Diligence Vendor-07/16/2026 Counter-Document Uploaded. Final CD dated xxx - CTC xxx / EMD xxx / 6 months reserves required xxx / Reserves are short by -xxx - Due Diligence Vendor-07/13/2026 Ready for Review-We have enough to cover reserves. Cash back to borrower xxx + additional gift funds xxx= xxx - Due Diligence Vendor-07/10/2026 Open-Audited Reserves of 3.62 are less than Guideline Required Reserves of 6 Borrower currently has xxxin verified reserves. Required amount of reserves is xxx. Borrower is shortxxx in reserves. - Due Diligence Vendor-07/09/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Veriifed Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Verified Calculated DTI Of 27.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Verified Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.12 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Verified Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Verified Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10141240 | |||||
| 499179 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 927457 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 748451 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 625153 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 406090 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 987549 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 391750 | D | A | A | A | D | A | A | A | Closed | FCOM1252 | 2026-07-10 05:22 | 2026-07-16 14:16 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received missing disclosures - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. initial disclosures (inc. LE) uplaoded - Seller-07/16/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. initial disclosures (inc. LE) uplaoded - Seller-07/16/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years |
Initial Disclosure_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10167039 | |||
| 391750 | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2026-07-10 05:22 | 2026-07-16 14:16 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. signed ICD uploaded - Seller-07/16/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. signed ICD uploaded - Seller-07/16/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years |
ICD-Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10167049 | |||
| 391750 | D | A | A | A | D | A | A | A | Closed | finding-3939 | 2026-07-13 10:33 | 2026-07-16 13:57 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received missing disclosures - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. locked LE uplaoded - Seller-07/16/2026 Open- - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx,xxx andxxx. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. locked LE uplaoded - Seller-07/16/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years |
Lock-LE-Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10204370 | |||
| 391750 | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2026-07-10 05:23 | 2026-07-16 13:10 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. SSPL uploaded - Seller-07/16/2026 Open-Service Provider List is Missing - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. SSPL uploaded - Seller-07/16/2026 |
Resolved-**Received - Due Diligence Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years |
Service Provider List.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10167052 | |||
| 391750 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-07-10 05:24 | 2026-07-16 13:10 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-**Received - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Homeownership Counseling Disclosure uploaded - Seller-07/16/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Homeownership Counseling Disclosure uploaded - Seller-07/16/2026 |
Resolved-**Received - Due Diligence Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years |
Homeownership Counseling Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10167076 | |||
| 391750 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-07-10 01:37 | 2026-07-16 08:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. initial 1003 uploaded - Seller-07/16/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. initial 1003 uploaded - Seller-07/16/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years |
Initial 1003_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10164061 | |||
| 167614 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-07-10 05:45 | 2026-07-17 10:54 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. ICD uploaded - Buyer-07/16/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/10/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-07/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.19 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ICD Signed with Esign Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10168513 | ||||
| 167614 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-07-10 05:45 | 2026-07-17 10:54 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received missing disclosures - Due Diligence Vendor-07/17/2026 Resolved- - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Locked LE uploaded - Buyer-07/16/2026 Open-***** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-07/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.19 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Lock LE_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10168516 | ||||
| 426639 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 938807 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 979452 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 499575 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 482849 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 250259 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-07-13 01:42 | 2026-07-15 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/15/2026 Ready for Review-Please CD attached - Due Diligence Vendor-07/14/2026 Open-Missing Final Settlement Statement/equivalent Closing disclosure document missing. - Due Diligence Vendor-07/13/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10195470 | ||||
| 771052 | C | A | A | A | C | A | A | A | Closed | finding-3732 | 2026-07-13 11:38 | 2026-07-20 14:27 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 Ready for Review-pls review ICD uploaded if it resolves fee validation tests. - Buyer-07/18/2026 Counter-Received duplicate copies of the Final Closing Disclosure and the Initial Loan Estimate. We are still missing a copy of the Initial Closing Disclosure with tracking information evidencing the borrower received the ICD at least 3 business days prior to the closing date of xxx. - Due Diligence Vendor-07/17/2026 Ready for Review-pls review disclosures uploaded if it resolves fee validation tests. - Seller-07/16/2026 Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is xxx. The disclosed total of payments of xxx is not considered accurate because it is understated by more than xxx and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-pls review disclosures uploaded if it resolves fee validation tests. - Seller-07/16/2026 |
Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206989 | ||||
| 771052 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-07-13 11:31 | 2026-07-20 14:19 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. ICD provided - Buyer-07/18/2026 Counter-Received duplicate copies of the Final Closing Disclosure and the Initial Loan Estimate. We are still missing a copy of the Initial Closing Disclosure with tracking information evidencing the borrower received the ICD at least 3 business days prior to the closing date of xxx. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. - Buyer-07/16/2026 Ready for Review-Document Uploaded. - Buyer-07/16/2026 Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/13/2026 |
Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206883 | ||||
| 771052 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-07-13 11:38 | 2026-07-20 14:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 Resolved- - Due Diligence Vendor-07/20/2026 Ready for Review-pls review ICD uploaded if it resolves fee validation tests. - Buyer-07/18/2026 Counter-Received duplicate copies of the Final Closing Disclosure and the Initial Loan Estimate. We are still missing a copy of the Initial Closing Disclosure with tracking information evidencing the borrower received the ICD at least 3 business days prior to the closing date of xxx. - Due Diligence Vendor-07/17/2026 Ready for Review-pls review disclosures uploaded if it resolves fee validation tests. - Buyer-07/16/2026 Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206986 | |||||
| 771052 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-07-13 11:38 | 2026-07-20 14:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 Resolved- - Due Diligence Vendor-07/20/2026 Ready for Review-pls review ICD uploaded if it resolves fee validation tests. - Seller-07/18/2026 Counter-Received duplicate copies of the Final Closing Disclosure and the Initial Loan Estimate. We are still missing a copy of the Initial Closing Disclosure with tracking information evidencing the borrower received the ICD at least 3 business days prior to the closing date of xxx - Due Diligence Vendor-07/17/2026 Ready for Review-pls review disclosures uploaded if it resolves fee validation tests. - Seller-07/16/2026 Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-pls review ICD uploaded if it resolves fee validation tests. - Seller-07/18/2026 Ready for Review-pls review disclosures uploaded if it resolves fee validation tests. - Seller-07/16/2026 |
Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206987 | ||||
| 771052 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-07-13 11:38 | 2026-07-20 14:19 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 Resolved- - Due Diligence Vendor-07/20/2026 Ready for Review-pls review ICD uploaded if it resolves fee validation tests. - Buyer-07/18/2026 Counter-Received duplicate copies of the Final Closing Disclosure and the Initial Loan Estimate. We are still missing a copy of the Initial Closing Disclosure with tracking information evidencing the borrower received the ICD at least 3 business days prior to the closing date of xxx - Due Diligence Vendor-07/17/2026 Ready for Review-pls review disclosures uploaded if it resolves fee validation tests. - Seller-07/16/2026 Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-pls review disclosures uploaded if it resolves fee validation tests. - Seller-07/16/2026 |
Resolved-***Received ICD - Due Diligence Vendor-07/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206988 | ||||
| 299023 | D | A | A | A | D | A | A | A | Closed | FCOM1252 | 2026-07-13 11:35 | 2026-07-21 13:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. initial disclosures/ LE uploaded - Buyer-07/21/2026 Open-Documentation provided does not contain the Initial Loan Estimate Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/13/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Revised LE_signed.pdf Initial Disclosure_signed.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206945 | ||||
| 299023 | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2026-07-13 11:37 | 2026-07-21 13:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. initial CD uploaded - Buyer-07/21/2026 Open-Documentation provided does not contain the Initial Closing disclose Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/13/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Initial CD_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206980 | ||||
| 299023 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-07-13 11:40 | 2026-07-21 13:22 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. Homeownership Counseling Disclosure uploaded - Buyer-07/21/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/13/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Homeownership Counseling Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10207018 | ||||
| 299023 | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2026-07-13 11:34 | 2026-07-21 13:22 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. SSPL uploaded - Buyer-07/21/2026 Open-SSPL is missing - Due Diligence Vendor-07/13/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
SSPL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10206929 | ||||
| 299023 | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2026-07-21 13:08 | 2026-07-21 13:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/21/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10382395 | |||||
| 299023 | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2026-07-21 13:08 | 2026-07-21 13:21 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/21/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10382396 | |||||
| 299023 | D | A | A | A | D | A | A | A | Closed | finding-3635 | 2026-07-21 13:08 | 2026-07-21 13:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-07/21/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10382397 | |||||
| 299023 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-07-13 07:48 | 2026-07-21 09:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. initial 1003 uploaded - Seller-07/21/2026 Open-The Initial 1003 is Missing. - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. initial 1003 uploaded - Seller-07/21/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Initial 1003_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10201621 | |||
| 569697 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 957921 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 288953 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 252627 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 492970 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 634440 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 994846 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 614779 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 677714 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-15 02:21 | 2026-07-17 12:28 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/17/2026 Ready for Review-see attached 1008 - Due Diligence Vendor-07/16/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/15/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/17/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10251004 | ||||
| 154498 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 628918 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-07-16 00:41 | 2026-07-17 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/17/2026 Ready for Review-Hazard insurance Invoice attached for review. - Due Diligence Vendor-07/16/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. The HOI does not reflect the premium. No other hazard insurance invoice or similar was located in the file. Payment taken from CD - Due Diligence Vendor-07/16/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.92% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10280000 | ||||
| 934921 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 517482 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-07-16 06:45 | 2026-07-21 12:48 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/21/2026 Resolved- - Due Diligence Vendor-07/21/2026 Ready for Review-see attached 1008 - Due Diligence Vendor-07/20/2026 Counter-the 1008 provided does not reflect the correct Loan amount of xxx with an audited LTV of 80% - Due Diligence Vendor-07/17/2026 Ready for Review-1008 attached for review - Due Diligence Vendor-07/16/2026 Open-1008/Underwriting Summary Not Provided- Missing - Due Diligence Vendor-07/16/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/21/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10286635 | ||||
| 517482 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-07-16 06:28 | 2026-07-17 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/17/2026 Ready for Review-see VVOE attached for review . - Due Diligence Vendor-07/16/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/16/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/17/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10286358 | ||||
| 723721 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 226729 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 457057 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 672573 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 825145 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 308373 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 556531 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 849409 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 508194 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 665126 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 161780 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 795267 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-07-21 13:34 | 2026-08-18 15:48 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/18/2026 Resolved- - Due Diligence Vendor-08/18/2026 Ready for Review-see attached HOI policy - Due Diligence Vendor-08/17/2026 Counter-Document Uploaded. the RCE states cost as xxx however the HOI Policy states dwelling coverage as xxx - Due Diligence Vendor-07/28/2026 Ready for Review-RCE attached - Due Diligence Vendor-07/27/2026 Counter-Page 21(or any other page) didn't seem to show any replacement cost estimate for property. Please resubmit that information or other docs showing sufficient coverage. - Due Diligence Vendor-07/23/2026 Ready for Review-Attached is the HOI see page 21 for replacement coverage - Due Diligence Vendor-07/22/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Replacement Cost Estimator or additional dwelling coverage was not Provided - Due Diligence Vendor-07/21/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10383242 | ||||
| 769773 | C | A | C | A | A | A | A | A | Closed | FCRE1118 | 2026-07-21 23:44 | 2026-07-22 13:22 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-07/22/2026 Ready for Review-Can you advise on what's need to clear this. Do we need to get a new Deed of Trust re-signed? Please advise - Due Diligence Vendor-07/22/2026 Open-Borrower 1 Signature does not match Note - Due Diligence Vendor-07/22/2026 |
Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-07/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10392781 | |||||
| 844013 | D | A | D | A | D | A | A | A | Closed | FCRE6019 | 2026-07-21 11:16 | 2026-07-23 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/23/2026 Ready for Review-see Patriot Act attached. - Due Diligence Vendor-07/22/2026 Open-- Missing Valid Drivers License and/or Signed US Patriot Act form - Due Diligence Vendor-07/21/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/23/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10377782 | ||||
| 844013 | D | A | D | A | D | A | A | A | Closed | FCOM8844 | 2026-07-21 11:30 | 2026-07-23 08:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/23/2026 Ready for Review-Attached is the business purchase disclosure - Due Diligence Vendor-07/22/2026 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-07/21/2026 |
Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/23/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10378338 | ||||
| 504045 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 340266 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 814382 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 264292 | D | A | D | A | D | A | A | A | Closed | FCOM1227 | 2026-07-21 11:11 | 2026-08-27 11:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-corrective affidavit provided for PUD rider - Due Diligence Vendor-08/27/2026 Ready for Review-see attached affidavit for PUD Rider - Due Diligence Vendor-08/26/2026 Open-PUD Rider is Missing - Appraisal states property is located in a PUD with a annual fee of xxx however the DOT does not reflect a PUD rider - Due Diligence Vendor-07/21/2026 |
Resolved-corrective affidavit provided for PUD rider - Due Diligence Vendor-08/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.63 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10377554 | ||||
| 264292 | D | A | D | A | D | A | A | A | Closed | FCRE1467 | 2026-07-21 14:14 | 2026-07-22 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-07/22/2026 Ready for Review-see bank statements attached, - Due Diligence Vendor-07/22/2026 Open-Asset 1 Missing Missing bank statement xxx ending ..xxx - Due Diligence Vendor-07/21/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-07/22/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.63 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10384157 | ||||
| 784365 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 958808 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 905242 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 696924 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 234199 | D | A | D | A | D | A | A | A | Closed | FCRE1500 | 2026-07-24 07:09 | 2026-07-29 10:07 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Valid DL provided - Due Diligence Vendor-07/29/2026 Ready for Review-see attached Patriot Act - Due Diligence Vendor-07/28/2026 Counter-the Condition is for Missing Valid Drivers License or Signed US Patriot Act Form - Due Diligence Vendor-07/28/2026 Ready for Review-see attached - Due Diligence Vendor-07/27/2026 Open-A photo ID or similar was not provided in the loan file - A 1003 was also not provided, but documentation in the file suggests Borrower is a US citizen - Due Diligence Vendor-07/24/2026 |
Resolved-Valid DL provided - Due Diligence Vendor-07/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10445889 | ||||
| 234199 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-07-23 08:15 | 2026-07-28 07:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/28/2026 Ready for Review-see attached 1003 - Due Diligence Vendor-07/27/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-07/23/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-07/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10423715 | ||||
| 234199 | D | A | D | A | D | A | A | A | Closed | FCRE9959 | 2026-07-23 08:43 | 2026-07-28 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/28/2026 Ready for Review-see HUD1 attached - Due Diligence Vendor-07/27/2026 Open-Missing Final Settlement Statement/equivalent Closing Disclosure, Alta, HUD, Settlement Statment or Equivalent was not provided in loan file. Used Final 1008 for cash required to close - Due Diligence Vendor-07/23/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10424179 | ||||
| 647456 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-23 11:41 | 2026-08-03 09:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/03/2026 Ready for Review-See attached fraud report. - Due Diligence Vendor-07/31/2026 Counter-Missing all pages of the Drive/Fraud report - Due Diligence Vendor-07/27/2026 Ready for Review-Fraud Alert attached for review. - Due Diligence Vendor-07/27/2026 Open-Missing Third Party Fraud Report. - Due Diligence Vendor-07/23/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/03/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10430281 | ||||
| 379357 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 222896 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 333336 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 877435 | C | A | C | A | A | A | A | A | Closed | FCRE4963 | 2026-07-24 10:46 | 2026-07-28 12:53 | Resolved | 1 - Information | C | A | Credit | Liabilities | No evidence of required debt payoff | Resolved-updated Title Policy provided - Due Diligence Vendor-07/28/2026 Ready for Review-see updated title commitment removing tax lien - Due Diligence Vendor-07/27/2026 Open-No evidence of required debt payoff as shown on Loan Approval. Tax lien against business in the amount of xxx not reflected paid on final closing disclosure or evidence paid outside closing. - Due Diligence Vendor-07/24/2026 |
Resolved-updated Title Policy provided - Due Diligence Vendor-07/28/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10449574 | ||||
| 289106 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-07-24 01:14 | 2026-07-28 12:12 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/28/2026 Ready for Review-Master Policy - Due Diligence Vendor-07/27/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx. - Due Diligence Vendor-07/24/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/28/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.7% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10442386 | ||||
| 451894 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 874827 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 977313 | C | A | C | A | C | A | A | A | Closed | finding-3532 | 2026-07-28 15:02 | 2026-08-03 11:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-**Received ICD - Due Diligence Vendor-08/03/2026 Ready for Review-see ICD attached - Due Diligence Vendor-07/31/2026 Counter-***Received PCCD. Still missing copy of the Initial CD with evidence borrower received at least 3 business days prior to closing. - Due Diligence Vendor-07/29/2026 Open- - Due Diligence Vendor-07/29/2026 Open- - Due Diligence Vendor-07/29/2026 Ready for Review-see attached CD - Due Diligence Vendor-07/28/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. **** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/28/2026 Open- - Due Diligence Vendor-07/28/2026 |
Resolved-**Received ICD - Due Diligence Vendor-08/03/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.54 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.55 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10498183 | ||||
| 977313 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-07-27 11:10 | 2026-07-29 12:52 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxis prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/29/2026 Ready for Review-see PCCD attached disbursement date xxx - Due Diligence Vendor-07/28/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Final Closing disclosure lists a Disbursement Date of xxx. HOI effective date is xxx- Due Diligence Vendor-07/27/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/29/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.54 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.55 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10470166 | |||||
| 977313 | C | A | C | A | C | A | A | A | Closed | FCOM2276 | 2026-07-27 16:34 | 2026-07-29 12:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-**Received PCCD - Due Diligence Vendor-07/29/2026 Ready for Review-see PCCD attached - Due Diligence Vendor-07/28/2026 Open-******* Borrower executed documents on xxx & Seller CD disbursement date indicates xxx. After Final Closing Disclosure Disbursement date of xxx Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-07/27/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-07/29/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.54 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.55 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10477602 |