Exhibit 99.1 Schedule 5
| Marketing ID | Infinity Loan ID | Loan Number | Loan Number 2 | Borrower Last Name | Property State | Note Date | Loan Purpose | TPR QM ATR Status | Initial Overall Loan Grade | Final Overall Loan Grade | Exception Category | Exception Subcategory | Exception Code | Final Exception Status | Initial Exception Grade | Final Exception Grade | Exception | Exception Detail | Follow-up Comments (Exception Response) | Exception Conclusion Comments | Compensating Factors | Curable Status | Loan Status | Review Date | Cleared Date | Cured Date | Exception Date |
| 8 | XX | XX | XX | New Jersey | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | QQBMZIHHKVF-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | The hazard insurance currently reflects the mortgage clause name
as "XX"; however, the note lender is "XX". Provide a copy
of the updated hazard insurance with the correct mortgage clause. 07/06/2026 Resolved: The copy of hazard insurance in the files does include mortgagee clause. |
07/06/2026 Resolved: The copy of hazard insurance in the files does include mortgagee clause. | 07/06/2026 Resolved: The copy of hazard insurance in the files does include mortgagee clause. | QC Complete | 07/02/2026 | 07/06/2026 | 07/06/2026 | 07/02/2026 | |||
| 18 | XX | XX | XX | Texas | 06/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | H0YAAJYSIUE-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Income: 1009 Wage and income transcripts do not report the 1099
wages A copy of an exception approval letter is available in the loan file. |
DTI: 49.63% DTI is less than the maximum guideline requirement
of 50.00%. FICO: 789 FICO exceeds the guideline requirement of 720. Reserves: The 107 months of available reserves are more than the guideline requirement of 8 months. |
QC Complete | 07/02/2026 | 07/02/2026 | ||||||
| 19 | XX | XX | XX | Wisconsin | 05/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | QITK4RSCNPS-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | The Note, Mortgage, and 1-4 Family Rider should reflect
"XX" in the borrower signature block. Title documentation in the
file reflects vesting as "XX"; however, the Note, Mortgage, and 1-4
Family Rider were executed solely by "XX". Please review and
provide corrected documents or clarification regarding the same. 07/09/2026: the Note, Mortgage and 1/4 rider need to be in the name of XX, signed by memberXX. |
07/09/2026: the Note, Mortgage and 1/4 rider need to be in the name of XX, signed by member XX. | 07/09/2026: the Note, Mortgage and 1/4 rider need to be in the name of XX signed by member XX | QC Complete | 06/22/2026 | 07/09/2026 | 07/09/2026 | 06/22/2026 | |||
| 32 | XX | XX | XX | California | 05/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | MZAKAOELW0J-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Extended dwelling also is not sufficient to cover loan amount.
Provide a RCE or an updated insurance with sufficient coverage. 07/09/2026: Received RCE with enough coverage |
07/09/2026: Received RCE with enough coverage | 07/09/2026: Received RCE with enough coverage | QC Complete | 06/22/2026 | 07/09/2026 | 07/09/2026 | 06/17/2026 | ||||
| 32 | XX | XX | XX | California | 05/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | MZAKAOELW0J-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Note is reflecting rate of interest as fixed, amortization
schedule and other documents reflecting interest only. Required correction of
Note for interest only. 07/14/2026: Resolved. Received interest only note |
07/14/2026: Resolved. Received interest only note | 07/14/2026: Resolved. Received interest only note | QC Complete | 06/22/2026 | 07/14/2026 | 07/14/2026 | 06/18/2026 | |||
| 37 | XX | XX | XX | Florida | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | 3MNV534QMPW-G0TZ53U4 | Resolved | 3 | R | * Hazard Insurance (Lvl R) | Provide hazard Insurance for subject property with Correct
Mortgagee Clause. 06/26/2026: Countered. No mortgagee information on HOI policy. 07/20/2026: Resolved. Received updated HOI |
07/20/2026: Resolved. Received updated HOI | 07/20/2026: Resolved. Received updated HOI | QC Complete | 06/23/2026 | 07/20/2026 | 07/20/2026 | 06/22/2026 | ||||
| 38 | XX | XX | XX | Georgia | 05/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | NO34L5NWCNP-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Hazard insurance including Lender
ISAOA/ATIMA clause, as is it missing. 06/30/2026: Resolved. Received updated HOI |
06/30/2026: Resolved. Received updated HOI | 06/30/2026: Resolved. Received updated HOI | QC Complete | 06/23/2026 | 06/30/2026 | 06/30/2026 | 06/22/2026 | |||
| 39 | XX | XX | XX | Iowa | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | MSBRFZZ1E30-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of borrower settlement statement / Seller
settlement statement. Property (XX is currently reflected as Pending
Sale." 07/08/2026: Countered. The xx settlement statement provided is for property XX The one needed is for XX. 07/08/2026: Resolved. The property is pending sale and has been included in calculations. |
07/08/2026: Resolved. The property is pending sale and has been included in calculations. | 07/08/2026: Resolved. The property is pending sale and has been included in calculations. | QC Complete | 07/06/2026 | 07/08/2026 | 07/08/2026 | 07/02/2026 | |||
| 39 | XX | XX | XX | Iowa | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | MSBRFZZ1E30-RO3KRP0K | Resolved | 3 | R | * TRID Violations (Lvl R) | Demand Feature check box is not updated on Page 4 of the Final
CD and PCCD. 07/08/2026: Countered. Please provide the CD dated 05/XX/2026 with closing date of 06/XX/2023 with the demand feature checked. 07/09/2026: Countered.Please provide the CD dated 05/XX/2026 with closing date of 06/XX/2023 with the demand feature checked. (clients comments in email: Response: The Initial CD showed the Demand Feature checked. The CD Dated 5/XX/2026 with the Closing Date of 6/XX/2026 shows the box checked. Kindly overturn finding.) 07/14/2026: Countered. Received Initial CD instead of Final CD/PCCD for demand feature check box update. Resolved 07/24/2026: Received updated Demand Feature check box Final CD and exception is cleared. |
Resolved 07/24/2026: Received updated Demand Feature check box
Final CD and exception is cleared. |
Resolved 07/24/2026: Received updated Demand Feature check box
Final CD and exception is cleared. |
QC Complete | 07/06/2026 | 07/24/2026 | 07/24/2026 | 07/06/2026 | |||
| 116 | XX | XX | XX | Ohio | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | 3Y3YAPBZXK0-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Exception for FTHB without a housing expense. A copy of an exception approval letter is available in the loan file. |
FICO: 753 FICO exceeds the guideline requirement of 720. LTV: 85.00% LTV is less than the guideline requirement of 90.00%. DTI: 5.98% DTI is less than the maximum guideline requirement of 50.00%. |
QC Complete | 07/17/2026 | 07/16/2026 | ||||||
| 116 | XX | XX | XX | Ohio | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | 3Y3YAPBZXK0-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.267% Allowed 8.070% + Overby 0.197% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 07/17/2026 | 07/17/2026 | 07/17/2026 | 07/17/2026 | |||
| 121 | XX | XX | XX | Colorado | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | HT32LU0OCF3-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a supporting document for HOA showing $315.50. 07/10/2026 Resolved - Resolved as the HOA can be verified from appraisal. |
07/10/2026 Resolved - Resolved as the HOA can be verified from appraisal. | 07/10/2026 Resolved - Resolved as the HOA can be verified from appraisal. | QC Complete | 07/07/2026 | 07/10/2026 | 07/10/2026 | 07/06/2026 | |||
| 123 | XX | XX | XX | California | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | RF4PNSY4W0S-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Title report or supplemental title
report including Lender ISAOA/ATIMA clause, as is it missing. 07/21/2026; Resolved. Received updated title. |
07/21/2026; Resolved. Received updated title. | 07/21/2026; Resolved. Received updated title. | QC Complete | 07/17/2026 | 07/21/2026 | 07/21/2026 | 07/16/2026 | |||
| 123 | XX | XX | XX | California | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | RF4PNSY4W0S-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provided hazard insurance document reflect the subject mortgagee
name as 'XX, which is not the subject lender. Provided a copy of updated
hazard insurance document to reflect the correct subject mortgagee name as
'XX'. 07/20/2026: Resolved. Received updated HOI |
07/20/2026: Resolved. Received updated HOI | 07/20/2026: Resolved. Received updated HOI | QC Complete | 07/17/2026 | 07/20/2026 | 07/20/2026 | 07/17/2026 | |||
| 124 | XX | XX | XX | Virginia | 06/XX/2026 | Refinance | Not Covered/Exempt | 2 | 2 | Valuation | Property | RJNEOYFX53N-I303N0YD | Waived | 2 | W | * Property zoned rural and contains more than 10 acres (Lvl W) | Exception being requested for excess acreage XX acres and
product allows maximum of 20 acres. A copy of an exception approval letter is available in the loan file. |
Reserves: The 63 months of available reserves are more than the
guideline requirement of 3 months. DTI: 33.22% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $48,522.90 monthly |
QC Complete | 07/07/2026 | 07/07/2026 | ||||||
| 254 | XX | XX | XX | Maryland | 06/XX/2026 | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | U1BOOP0HNNC-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Exception to allow FICO score of 684 vs minimum FICO required of
700. A copy of an exception approval letter is available in the loan file. |
Reserves: The 38 months of available reserves are more than the
guideline requirement of 6 months. LTV: 70.00% LTV is less than the guideline requirement of 75.00%. |
QC Complete | 06/30/2026 | 06/29/2026 | ||||||
| 258 | XX | XX | XX | Indiana | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZYWFB41NZY4-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Hazard insurance including Lender
ISAOA/ATIMA, as is it missing 07/15/2026: Resolved. Received updated HOI. |
07/15/2026: Resolved. Received updated HOI. | 07/15/2026: Resolved. Received updated HOI. | QC Complete | 06/30/2026 | 07/15/2026 | 07/15/2026 | 06/30/2026 | |||
| 259 | XX | XX | XX | Pennsylvania | 06/XX/2026 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | KOUM10M3UE5-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.485% Allowed 8.010% Overby +0.475% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 06/30/2026 | 06/30/2026 | 06/30/2026 | 06/30/2026 | |||
| 259 | XX | XX | XX | Pennsylvania | 06/XX/2026 | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | KOUM10M3UE5-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount
$XX. Provide a copy of the title supplement report to cover the loan amount
along with the lender ISAOA clues as it is missing. 07/06/2026 Resolved: The copy of title policy resolves the condition. |
07/06/2026 Resolved: The copy of title policy resolves the condition. | 07/06/2026 Resolved: The copy of title policy resolves the condition. | QC Complete | 06/30/2026 | 07/07/2026 | 07/07/2026 | 06/29/2026 | |||
| 272 | XX | XX | XX | Arizona | 06/XX/2026 | Refinance | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | UQBQNQ1HOYO-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Allowing to use of 99% of business assets to avoid asking for
letter from business partner allowing use of assets for this transaction. A copy of an exception approval letter is available in the loan file. |
FICO: 752 FICO exceeds the guideline requirement of 700. Reserves: The 72 months of available reserves are more than the guideline requirement of 10 months. Housing History: 0x30x12 is better than guideline requirement of 1x30x12. |
QC Complete | 07/15/2026 | 07/14/2026 | ||||||
| 274 | XX | XX | XX | Hawaii | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | OI1Q453PD2X-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated title report for IOSAO clause, as it
is currently missing from the file. 07/15/2026: Resolved. Received updated title |
07/15/2026: Resolved. Received updated title | 07/15/2026: Resolved. Received updated title | QC Complete | 06/24/2026 | 07/15/2026 | 07/15/2026 | 06/24/2026 | |||
| 280 | XX | XX | XX | Tennessee | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | H1KMCGJJOMC-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Driving license reflecting borrower "XX" sex as female
and in final 1003 reflecting as Male, required correction of 1003 from male
to female 07/09/2026: Resolved. Received updated 1003 |
07/09/2026: Resolved. Received updated 1003 | 07/09/2026: Resolved. Received updated 1003 | QC Complete | 06/30/2026 | 07/09/2026 | 07/09/2026 | 06/30/2026 | |||
| 281 | XX | XX | XX | California | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | YHXKQOMLWJW-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title supplement which should cover the loan amount. 07/09/2026 Resolved: The copy of title policy resolves the condition. |
07/09/2026 Resolved: The copy of title policy resolves the condition. | 07/09/2026 Resolved: The copy of title policy resolves the condition. | QC Complete | 06/18/2026 | 07/09/2026 | 07/09/2026 | 06/17/2026 | |||
| 288 | XX | XX | XX | North Carolina | 06/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | CRBSEMKENRZ-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan
amount, The amount of title insurance $XX does not cover the loan amount
$XX 07/07/2026: Resolved. Received updated title. |
07/07/2026: Resolved. Received updated title. | 07/07/2026: Resolved. Received updated title. | QC Complete | 06/30/2026 | 07/07/2026 | 07/07/2026 | 06/30/2026 | |||
| 288 | XX | XX | XX | North Carolina | 06/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | CRBSEMKENRZ-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of HOA document for the property address:XX as it
is missing. 07/10/2026 Resolved : the copy of property detail doc resolves the condition. |
07/10/2026 Resolved : the copy of property detail doc resolves the condition. | 07/10/2026 Resolved : the copy of property detail doc resolves the condition. | QC Complete | 06/30/2026 | 07/10/2026 | 07/10/2026 | 06/30/2026 | |||
| 292 | XX | XX | XX | Florida | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | VUCAXKAUCQ5-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | The hazard insurance mortgage clause currently lists the lender
as XX However, the subject property's lender is xx provide an updated copy of
the hazard insurance policy with the mortgage clause corrected to XX 07/21/2026: Resolved. Received updated HOI |
07/21/2026: Resolved. Received updated HOI | 07/21/2026: Resolved. Received updated HOI | QC Complete | 07/15/2026 | 07/21/2026 | 07/21/2026 | 07/15/2026 | |||
| 293 | XX | XX | XX | New York | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | 3IVACCARNZ5-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide an LOE stating that the property "XX " has no
HOA fee. 07/10/2026 Resolved : The copy of LOX with HOA explanation resolves the condition. |
07/10/2026 Resolved : The copy of LOX with HOA explanation resolves the condition. | 07/10/2026 Resolved : The copy of LOX with HOA explanation resolves the condition. | QC Complete | 06/30/2026 | 07/10/2026 | 07/10/2026 | 06/30/2026 | |||
| 293 | XX | XX | XX | New York | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 3IVACCARNZ5-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Exception to permit 8 NSF's in the most recent twelve months
instead of 6 A copy of an exception approval letter is available in the loan file. |
DTI: 32.26% DTI is less than the maximum guideline requirement
of 50.00%. Reserves: The 5 months of available reserves are more than the guideline requirement of 3 months. Bank statements: 8 consecutive most recent months have no overdrafts |
QC Complete | 06/30/2026 | 06/30/2026 | ||||||
| 295 | XX | XX | XX | New Hampshire | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | E2PEETQEDXA-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide an updated CPA letter with expense factor 23% reflecting
on it. 07/06/2026: Resolved. Received updated CPA letter |
07/06/2026: Resolved. Received updated CPA letter | 07/06/2026: Resolved. Received updated CPA letter | QC Complete | 06/30/2026 | 07/06/2026 | 07/06/2026 | 06/30/2026 | |||
| 297 | XX | XX | XX | California | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | PM4I1L52F01-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of Business Purpose Affidavit. 07/10/2026: The copy of Business Purpose Affidavit resolves the condition. |
07/10/2026: The copy of Business Purpose Affidavit resolves the condition. | 07/10/2026: The copy of Business Purpose Affidavit resolves the condition. | QC Complete | 07/02/2026 | 07/10/2026 | 07/10/2026 | 06/30/2026 | |||
| 298 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Property | UPNN1M3XI2I-7BC6773S | Resolved | 3 | R | * Property Issues indicated (Lvl R) | Provide an updated appraisal report with Special flood hazard
insurance as "YES" and FEMMA flood zone as "AH". 07/07/2026: Resolved. Received updated appraisal |
07/07/2026: Resolved. Received updated appraisal | 07/07/2026: Resolved. Received updated appraisal | QC Complete | 06/30/2026 | 07/07/2026 | 07/07/2026 | 06/30/2026 | |||
| 298 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | UPNN1M3XI2I-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a proof of document for the transfer of gift amount
$28,000.00 as it is missing. 07/06/2026: Resolved. Received proof of wire for $28,000.00 |
07/06/2026: Resolved. Received proof of wire for $28,000.00 | 07/06/2026: Resolved. Received proof of wire for $28,000.00 | QC Complete | 06/30/2026 | 07/06/2026 | 07/06/2026 | 06/30/2026 | |||
| 302 | XX | XX | XX | Florida | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | GOAKVGAEY3E-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the updated hazard insurance policy that
includes the mortgage clause naming XX as the lender. 07/17/2026: Resolved. Received updated HOI |
07/17/2026: Resolved. Received updated HOI | 07/17/2026: Resolved. Received updated HOI | QC Complete | 07/14/2026 | 07/17/2026 | 07/17/2026 | 07/14/2026 | |||
| 307 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | ULNUJ5JF4FP-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title Supplement to cover the loan amount
$XX 07/09/2026: Resolved. Received updated title. |
07/09/2026: Resolved. Received updated title. | 07/09/2026: Resolved. Received updated title. | QC Complete | 06/30/2026 | 07/09/2026 | 07/09/2026 | 06/30/2026 | |||
| 311 | XX | XX | XX | Arizona | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | D4XEMANFE2E-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide an updated final 1003 for Borrower. The asset depletion
income should be reflected under Other Income on the final 1003. 07/15/2026" Resolved. Received updated 1003. |
07/15/2026" Resolved. Received updated 1003. | 07/15/2026" Resolved. Received updated 1003. | QC Complete | 07/10/2026 | 07/15/2026 | 07/15/2026 | 07/09/2026 | |||
| 312 | XX | XX | XX | California | 05/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | XBJUT5B3DC4-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of CPA letter for borrower business
"XX", to verify the ownership. 06/29/2026: Resolved. Received CPA verifying 49.86301% ownership in XX |
06/29/2026: Resolved. Received CPA verifying 49.86301% ownership in XX | 06/29/2026: Resolved. Received CPA verifying 49.86301% ownership in XX | QC Complete | 06/18/2026 | 06/29/2026 | 06/29/2026 | 06/18/2026 | |||
| 312 | XX | XX | XX | California | 05/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XBJUT5B3DC4-IJH0N5PE | Resolved | 3 | R | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure. Resolved 06/24/2026: Received Initial Closing Disclosure dated 05/XX/2026 and exception is cleared. |
Resolved 06/24/2026: Received Initial Closing Disclosure dated
05/XX/2026 and exception is cleared. |
Resolved 06/24/2026: Received Initial Closing Disclosure dated
05/XX/2026 and exception is cleared. |
QC Complete | 06/18/2026 | 06/24/2026 | 06/24/2026 | 06/17/2026 | |||
| 314 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 1YBD3I22TQW-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide hazard Insurance for subject property with correct
mortgagee clause and coverage amount to match loan amount or show 100%
replacement cost. 07/14/2026: Resolved. Received updated HOI |
07/14/2026: Resolved. Received updated HOI | 07/14/2026: Resolved. Received updated HOI | QC Complete | 07/07/2026 | 07/14/2026 | 07/14/2026 | 07/07/2026 | |||
| 316 | XX | XX | XX | Oregon | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZORPUD2LU4F-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the updated final 1003. The Income from other
Source section does not reflect the Asset Depletion income for Borrower 1,
(XX), in the amount of $2,724.00, and Co-Borrower 2, (XX), in the amount of
$10,503.00 as it is missing 07/06/2026: Countered. The 1003 provided did not have the changes made to the other income section. This is still needed. 07/09/2026: Resolved. Received updated 1003 |
07/09/2026: Resolved. Received updated 1003 | 07/09/2026: Resolved. Received updated 1003 | QC Complete | 06/23/2026 | 07/09/2026 | 07/09/2026 | 06/23/2026 | |||
| 322 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | GDCXTHVESRL-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Missing CDA supporting the appraisal report dated 06/XX/2026
with appraisal value of $XX 07/20/2026: Resolved. A 2nd full appraisal was provided. Used lower of the 2 appraisals. CDA not required. |
07/20/2026: Resolved. A 2nd full appraisal was provided. Used lower of the 2 appraisals. CDA not required. | 07/20/2026: Resolved. A 2nd full appraisal was provided. Used lower of the 2 appraisals. CDA not required. | QC Complete | 07/08/2026 | 07/20/2026 | 07/20/2026 | 07/08/2026 | |||
| 322 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | GDCXTHVESRL-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of taxes, insurance, HOA for the REO Property :
XX 07/20/2026: Resolved. Received tax and insurance docs |
07/20/2026: Resolved. Received tax and insurance docs | 07/20/2026: Resolved. Received tax and insurance docs | QC Complete | 07/08/2026 | 07/20/2026 | 07/20/2026 | 07/08/2026 | |||
| 331 | XX | XX | XX | Illinois | 06/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 24ANGCVYITX-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Requesting an exception for no housing history for FTHB. A copy of an exception approval letter is available in the loan file. |
DTI: 31.545% is lower than the maximum guideline requirement of
50.00%. Reserves: 28 months of available reserves are more than the guideline requirement of 3 months. LTV: 75.00% is lower than the maximum guideline requirement of 90.00%. FICO: 778 exceeds the minimum FICO requirement of 720. |
QC Complete | 08/12/2026 | 07/09/2026 | ||||||
| 332 | XX | XX | XX | Utah | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | APE0XL4JGO3-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Loan amount $XX vs $1.5M max loan amount A copy of an exception approval letter is available in the loan file. |
FICO: 784 exceeds the minimum FICO requirement of 720. Reserves: 19 months of available reserves are more than the guideline requirement of 9 months. DTI: 35.518% is lower than the maximum guideline requirement of 50.00%. |
QC Complete | 08/12/2026 | 06/30/2026 | ||||||
| 332 | XX | XX | XX | Utah | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | APE0XL4JGO3-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of supplemental title report , as the proposed
title insured amount $XX0 is inadequate to fully cover the loan amount of
$XX 07/07/2026: Resolved. Received updated title. |
07/07/2026: Resolved. Received updated title. | 07/07/2026: Resolved. Received updated title. | QC Complete | 08/12/2026 | 08/12/2026 | 08/12/2026 | 06/30/2026 | |||
| 335 | XX | XX | XX | New York | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | TBCDAGAUKNA-ZXHR0C1D | Resolved | 3 | R | * Missing Required Disclosures (Lvl R) | Require correction for occupancy of property "XX" from
primary residence to investment on REO section of final 1003. 06/29/2026: Resolved. Received updated 1003. |
06/29/2026: Resolved. Received updated 1003. | 06/29/2026: Resolved. Received updated 1003. | QC Complete | 06/19/2026 | 06/29/2026 | 06/29/2026 | 06/18/2026 | |||
| 345 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 0AS3PPTR2RB-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment
is less than the loan amount. Provide a copy of the title supplement
reflecting coverage in the amount of $XX 07/13/2026: Resolved. Received updated title. |
07/13/2026: Resolved. Received updated title. | 07/13/2026: Resolved. Received updated title. | QC Complete | 07/07/2026 | 07/13/2026 | 07/13/2026 | 07/06/2026 | |||
| 349 | XX | XX | XX | Tennessee | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ONQIFSL0PVV-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide gift letter for amount $200,000.00 from XX as it is
missing. 07/07/2026: Resolved. Received gift letter |
07/07/2026: Resolved. Received gift letter | 07/07/2026: Resolved. Received gift letter | QC Complete | 06/30/2026 | 07/07/2026 | 07/07/2026 | 06/30/2026 | |||
| 350 | XX | XX | XX | New York | 07/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | CCDXEK2O0FR-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | The subject condominium has a gross living area of less than 500
square feet. A copy of an exception approval letter is available in the loan file. |
Reserves: The 244 months of available reserves are more than the
guideline requirement of 3 months. DTI: 28.15% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $27,880.74 monthly |
QC Complete | 08/12/2026 | 07/21/2026 | ||||||
| 359 | XX | XX | XX | Hawaii | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1DXFI15JSVU-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of 1004D Appraisal report photos reflecting
Subject Deferred Maintenance. 06/23/2026: Countered. Document received is a termite invoice and termite inspection report. A 1004D from apprasier for deferred maintenance is needed. 06/30/2026: Resolved. Received a copy of the termite inspection report as alternate to 1004D |
06/30/2026: Resolved. Received a copy of the termite inspection report as alternate to 1004D | 06/30/2026: Resolved. Received a copy of the termite inspection report as alternate to 1004D | QC Complete | 06/16/2026 | 06/30/2026 | 06/30/2026 | 06/16/2026 | |||
| 375 | XX | XX | XX | Florida | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 2HXUOBPWGCX-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount
$XX. Provide a copy of the title supplement report to cover the loan
amount. 06/11/2026; Resolved. Received updated title. |
06/11/2026; Resolved. Received updated title. | 06/11/2026; Resolved. Received updated title. | QC Complete | 06/03/2026 | 06/11/2026 | 06/11/2026 | 06/02/2026 | |||
| 377 | XX | XX | XX | Maryland | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | 54O2SI1IHET-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provided lease agreement for the subject property expired on
03/31/2026. Provide a copy of updated lease agreement with the new expiration
date. 06/24/2026 Resolved : The copy of updated LOE with lease agreement snip resolves the condition. |
06/24/2026 Resolved : The copy of updated LOE with lease agreement snip resolves the condition. | 06/24/2026 Resolved : The copy of updated LOE with lease agreement snip resolves the condition. | QC Complete | 06/22/2026 | 06/24/2026 | 06/24/2026 | 06/19/2026 | |||
| 377 | XX | XX | XX | Maryland | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 54O2SI1IHET-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Requesting FICO exception for FICO of 713 vs. 720 minimum
required at 75% LTV A copy of an exception approval letter is available in the loan file. |
DSCR: 1.37 DSCR exceeds the guideline requirement of 0.50. LTV: 74.26% LTV is less than the guideline requirement of 75.00%. Reserves: The 82 months of available reserves are more than the guideline requirement of 6 months. |
QC Complete | 06/22/2026 | 06/19/2026 | ||||||
| 382 | XX | XX | XX | North Carolina | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | GWPFCTC2JEH-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | The total verified assets of $24,340.31 are insufficient to meet
the six-month reserve requirement. After subtracting the cash-to-close amount
of $17,070.60, the remaining assets total $7,269.71. This falls $2,267.16
short of the required six-month reserves of $9,536.87. 07/09/2026: Resolved. Reserves are not requires on a rate term refinance • Rate and Term Refinance transactions do not require reserves if the following are met: o Loan amount is ≤ $650,000 o Mortgage history is 0x30x24 or since inception if owned between 12-24 months o Subject property housing payment is decreasing o Borrower does not have a prior bankruptcy, foreclosure, short-sale, DIL, pre- foreclosure, mortgage charge-off |
07/09/2026:
Resolved. Reserves are not
requires on a rate term refinance • Rate and Term Refinance transactions do
not require reserves if the following are met: o Loan amount is ≤ $650,000 o Mortgage history is 0x30x24 or since inception if owned between 12-24 months o Subject property housing payment is decreasing o Borrower does not have a prior bankruptcy, foreclosure, short-sale, DIL, pre- foreclosure, mortgage charge-off |
07/09/2026:
Resolved. Reserves are not
requires on a rate term refinance • Rate and Term Refinance transactions do
not require reserves if the following are met: o Loan amount is ≤ $650,000 o Mortgage history is 0x30x24 or since inception if owned between 12-24 months o Subject property housing payment is decreasing o Borrower does not have a prior bankruptcy, foreclosure, short-sale, DIL, pre- foreclosure, mortgage charge-off |
QC Complete | 07/01/2026 | 07/09/2026 | 07/09/2026 | 06/30/2026 | |||
| 387 | XX | XX | XX | Florida | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | FHVTHLUT1PS-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of the evidence document receipt insurance for
property #XX..., as the required documentation is missing. 06/11/2026: Resolved. Received HOI for XX |
06/11/2026: Resolved. Received HOI for XX | 06/11/2026: Resolved. Received HOI for XX | QC Complete | 06/04/2026 | 06/11/2026 | 06/11/2026 | 06/03/2026 | |||
| 394 | XX | XX | XX | Florida | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | YXVSQEU0YQ2-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Supplemental report of title. Amount of title
insurance is not sufficient to cover the loan amount. 06/25/2026: Countered. Received a business loan certificate. A copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount is still needed. 06/30/2026: Resolved. Received updated title. |
06/30/2026: Resolved. Received updated title. | 06/30/2026: Resolved. Received updated title. | QC Complete | 06/22/2026 | 06/30/2026 | 06/30/2026 | 06/18/2026 | |||
| 396 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | MM4JUI1KRLH-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Supplemental Title Report to cover the loan
amount. 07/08/2026: Resolved. Received updated title |
07/08/2026: Resolved. Received updated title | 07/08/2026: Resolved. Received updated title | QC Complete | 07/01/2026 | 07/08/2026 | 07/08/2026 | 06/30/2026 | |||
| 401 | XX | XX | XX | Pennsylvania | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | LICMHOQOCZG-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of the additional most recent two months of bank
statements to verify the sufficient assets to cover the reserves requirement
of $5,321.88. 07/08/2026: Resolved. Received bank statements |
07/08/2026: Resolved. Received bank statements | 07/08/2026: Resolved. Received bank statements | QC Complete | 07/01/2026 | 07/08/2026 | 07/08/2026 | 07/01/2026 | |||
| 405 | XX | XX | XX | New York | 05/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 41CS4QKTJRB-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of the rent-free letter for the property located
at XX, as it was missing. 06/15/2026: Resolved. Rent free letter not required on xx |
06/15/2026: Resolved. Rent free letter not required on xx | 06/15/2026: Resolved. Rent free letter not required on xx | QC Complete | 06/04/2026 | 06/15/2026 | 06/15/2026 | 06/04/2026 | |||
| 412 | XX | XX | XX | Utah | 05/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | WFJYKHUKIOV-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of the evidence settlement statement or a letter
of explanation of the cash-out proceeds (savings) in the amount of
$62,000.00, as the required documentation is missing. 06/11/2026: Resolved. Received a copy of the CD. |
06/11/2026: Resolved. Received a copy of the CD. | 06/11/2026: Resolved. Received a copy of the CD. | QC Complete | 06/03/2026 | 06/11/2026 | 06/11/2026 | 06/03/2026 | |||
| 418 | XX | XX | XX | Maryland | 05/XX/2026 | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | V1VOTX4DTWD-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | As per guideline if borrower ownership is between 25% to 100%.
We need to use 75% business funds with approval from all other owners.Using
90% of funds from business account XX***XX for closing /reserves. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of
85.00%. DTI: 34.14% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 11 months of available reserves are more than the guideline requirement of 6 months. |
QC Complete | 06/08/2026 | 06/08/2026 | ||||||
| 420 | XX | XX | XX | Texas | 07/XX/2026 | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | HTPB0KUNKIA-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Non Arm Length's Trans/Identity of Interest/Conflict of
Interest. The seller is the purchaser's brother-in-law. A copy of an exception approval letter is available in the loan file. The sale was at market value supported by an independent appraisal. |
DSCR: 1.1377 DSCR exceeds the guideline requirement of 1.00. Reserves: The 52 months of available reserves are more than the guideline requirement of 6 months. |
QC Complete | 07/16/2026 | 07/16/2026 | ||||||
| 421 | XX | XX | XX | Georgia | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | RM1NCL1XNKL-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide an updated final application. The other income sources
section does not reflect the Co-Borrower's trust income. Update the
application to include trust income for XX in the monthly amount of $8,350.00
and ensure consistency with the income documentation and underwriting
approval. 07/08/2026: countered. The 1003 provided does not include the trust income in other income sources of $8,350.00 07/15/2026: Received updated 1003 |
07/15/2026: Received updated 1003 | 07/15/2026: Received updated 1003 | QC Complete | 06/25/2026 | 07/15/2026 | 07/15/2026 | 06/25/2026 | |||
| 427 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | B0TM055CG5V-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | The approval reflects theXX debt for the property located at XX,
as excluded. However, no exclusion reason has been provided. Provide the
reason for the exclusion or supporting documentation. 06/29/2026: Resolved. XXj pays XX loan number XX from XX. Bank statements were provided. |
06/29/2026: Resolved. XX pays XX loan number XX from XX. Bank statements were provided. | 06/29/2026: Resolved. XX pays XX loan number XX from XX. Bank statements were provided. | QC Complete | 08/12/2026 | 08/12/2026 | 08/12/2026 | 06/18/2026 | |||
| 427 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | B0TM055CG5V-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Allowing One year self employed program with SLE to allow
previous job self employed history in same line of business since 2014 but
under different business. A copy of an exception approval letter is available in the loan file. |
FICO: 763 FICO exceeds the guideline requirement of 640. LTV: 54.794% LTV is less than the guideline requirement of 70.00%. Reserves: The 17 months of available reserves are more than the guideline requirement of 9 months. |
QC Complete | 08/12/2026 | 06/18/2026 | ||||||
| 431 | XX | XX | XX | Georgia | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | Y1BI5XAKCMW-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Supplemental report of title. Title vested in
missing the ISAOA/ATIMA 07/20/2026: Resolved. Received updated title. |
07/20/2026: Resolved. Received updated title. | 07/20/2026: Resolved. Received updated title. | QC Complete | 07/07/2026 | 07/20/2026 | 07/20/2026 | 07/07/2026 | |||
| 433 | XX | XX | XX | Texas | 05/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | JRWIRVVOA1Z-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of Replacement cost estimate. Amount of hazard
insurance is not sufficient to cover the loan amount. 06/09/2026: Countered. Policy provided is a HO6 condominium policy. A master insurance policy will be needed 06/30/2026: Countered. Policy provided is a HO6 condominium policy. A master insurance policy will be needed 07/14/2026: Countered. Master insurance policy needs to have mortgagee clause added with borrowers name, loan number and subject property listed. 07/23/2026 Resolved : Resolved as the HO6 resolves the condition. |
07/23/2026 Resolved : Resolved as the HO6 resolves the condition. | 07/23/2026 Resolved : Resolved as the HO6 resolves the condition. | QC Complete | 06/05/2026 | 07/23/2026 | 07/23/2026 | 06/03/2026 | ||||
| 436 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | H5US3LNDZNG-J9U91B37 | Resolved | 3 | R | * LOE (Lvl R) | The property located at XX is not disclosed on the 1003;
however, the file contains a Homeowners Insurance (HOI) document in the
borrower's name for the same property. Therefore, provide a Letter of
Explanation (LOE) addressing the borrower's association with the property and
explaining why it was not reported on the loan application. 07/02/2026: Resolved. LOE provided this is parents house |
07/02/2026: Resolved. LOE provided this is parents house | 07/02/2026: Resolved. LOE provided this is parents house | QC Complete | 06/19/2026 | 07/02/2026 | 07/02/2026 | 06/19/2026 | |||
| 436 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | H5US3LNDZNG-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide the Initial Loan Application dated 03/XX/2026, as
referenced on the Revised Loan Application dated 04/XX/2026. Additionally,
provide the missing Loan Estimate (LE) dated 03/XX/2026, as indicated by the
Intent to Proceed documentation on page 333. Also, provide the initial
disclosure package evidencing compliance with the TRID requirement that
disclosures were issued within three business days of the initial application
date of 03/XX/2026. Resolved. Received required documents. |
Resolved. Received required documents. | Resolved. Received required documents. | QC Complete | 06/19/2026 | 06/25/2026 | 06/25/2026 | 06/22/2026 | |||
| 436 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | H5US3LNDZNG-DFWG7HN5 | Resolved | 3 | R | * Missing proof of hazard insurance (Lvl R) | Provide a copy of Hazard insurance for subject property as it is
missing. 07/01/2026 Countered. Declaration page is missing premium amount. 07/08/2026: Resolved. Received HOI with premium |
07/08/2026: Resolved. Received HOI with premium | 07/08/2026: Resolved. Received HOI with premium | QC Complete | 06/19/2026 | 07/08/2026 | 07/08/2026 | 06/18/2026 | |||
| 436 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | H5US3LNDZNG-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated title report or supplemental title
report including Lender ISAOA/ATIMA clause, as is it missing. 06/24/2026: Resolved. Received updated title. |
06/24/2026: Resolved. Received updated title. | 06/24/2026: Resolved. Received updated title. | QC Complete | 06/19/2026 | 06/24/2026 | 06/24/2026 | 06/19/2026 | |||
| 440 | XX | XX | XX | California | 06/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 3NLRADWUVU0-IJH0N5PE | Resolved | 3 | R | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure. Resolved 07/10/2026: Received Initial Closing Disclosure dated 06/03/2026 and exception is cleared. |
Resolved 07/10/2026: Received Initial Closing Disclosure dated
06/XX/2026 and exception is cleared. |
Resolved 07/10/2026: Received Initial Closing Disclosure dated
06/XX/2026 and exception is cleared. |
QC Complete | 07/07/2026 | 07/10/2026 | 07/10/2026 | 07/07/2026 | |||
| 440 | XX | XX | XX | California | 06/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3NLRADWUVU0-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title supplement which should cover the loan
amount 07/14/2026: Resolved. Received updated title |
07/14/2026: Resolved. Received updated title | 07/14/2026: Resolved. Received updated title | QC Complete | 07/07/2026 | 07/14/2026 | 07/14/2026 | 07/07/2026 | |||
| 440 | XX | XX | XX | California | 06/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | 3NLRADWUVU0-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | provide a copy of Bank statement ofXX of 1/31/2026 07/17/2026: Resolved. Received 01/30/2026 bank statement. |
07/17/2026: Resolved. Received 01/30/2026 bank statement. | 07/17/2026: Resolved. Received 01/30/2026 bank statement. | QC Complete | 07/07/2026 | 07/17/2026 | 07/17/2026 | 07/07/2026 | |||
| 445 | XX | XX | XX | Arizona | 07/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | I1NRDULAYBR-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Allowing the documentation for the housing payment history since
the prior home sold in Feb 2026. A copy of an exception approval letter is available in the loan file. |
FICO: 798 FICO exceeds the guideline requirement of 700. LTV: 28.46% LTV is less than the guideline requirement of 85.00%. Residual Income : $8,552.59 exceeds the minimum guideline requirement of $2,500. |
QC Complete | 07/20/2026 | 07/20/2026 | ||||||
| 450 | XX | XX | XX | Maryland | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | PGLRREEVSUV-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Coverage amount $xx on the title report is less than the
mortgage loan amount of $XX. Provide a copy of Title supplement to cover the
loan amount. 07/20/2026: Resolved. Received updated title. |
07/20/2026: Resolved. Received updated title. | 07/20/2026: Resolved. Received updated title. | QC Complete | 07/08/2026 | 07/20/2026 | 07/20/2026 | 07/07/2026 | |||
| 452 | XX | XX | XX | South Carolina | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | IRB2HVD2AWC-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of supporting document for the amount of $350 for
property address "XX" 07/06/2026; Resolved: Received updated 1003 with the $350.00 removed from the 1003 |
Resolved: Received updated 1003 with the $350.00 removed from the 1003 | Resolved: Received updated 1003 with the $350.00 removed from the 1003 | QC Complete | 06/23/2026 | 07/06/2026 | 07/06/2026 | 06/22/2026 | |||
| 453 | XX | XX | XX | Virginia | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 52ATK3PVFCJ-0O1J05XI | Resolved | 3 | R | * ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID violation due to Appraisal Review fee Added on Final CD
dated 06/XX/2026. Initial LE dated 04/XX/2026 reflects Appraisal Review fee
as $0.00 however, Final CD dated 06/XX/2026 reflects the Appraisal Review fee
as $120.00. Require valid COC or cure amount of $120.00. Resolved 06/30/2026: Received COC dated 05/11/2026 and exception is cleared. |
Resolved 06/30/2026: Received COC dated 05/XX/2026 and exception
is cleared. |
Resolved 06/30/2026: Received COC dated 05/XX/2026 and exception
is cleared. |
QC Complete | 06/17/2026 | 06/30/2026 | 06/30/2026 | 06/17/2026 | |||
| 455 | XX | XX | XX | Maine | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | MILD1PPYD1F-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a corrected copy of the Mortgage or Deed of Trust (DOT)
reflecting the MIN or xx (Mortgage Identification Number), as it is
missing. 07/09/2026: Resolved. Received a loe from client stating: this loan is for the state of MAINE. XX had requested that all loans in the state of Maine be set to be Non-xx. This is not a program/product specific this is State Specific. Per the XX which has been in production since June 2021. |
07/09/2026: Resolved. Received a loe from client stating: this loan is for the state of MAINE. XX had requested that all loans in the state of Maine be set to be Non-xx. This is not a program/product specific this is State Specific. Per the XXwhich has been in production since June 2021. | 07/09/2026: Resolved. Received a loe from client stating: this loan is for the state of MAINE. XX had requested that all loans in the state of Maine be set to be Non-xx. This is not a program/product specific this is State Specific. Per the XX which has been in production since June 2021. | QC Complete | 06/24/2026 | 07/09/2026 | 07/09/2026 | 06/22/2026 | |||
| 455 | XX | XX | XX | Maine | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | MILD1PPYD1F-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide the corrected final 1003 for both Borrower 1 and
Borrower 2 to resolve the income discrepancy. as the borrowers initial 1003
reflects Social Security/Disability and Pension/Retirement income, this
income is not reflected in the final 1003, though it has been used in the DTI
calculations. 6/30/2026: Resolved: Received updated 1003 |
6/30/2026: Resolved: Received updated 1003 | 6/30/2026: Resolved: Received updated 1003 | QC Complete | 06/24/2026 | 06/30/2026 | 06/30/2026 | 06/22/2026 | |||
| 463 | XX | XX | XX | Texas | 05/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | J0DV13XMJWP-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Tax and insurance document for property
address "XX 06/09/2026: Counter. No proof of insurance was provided. 06/10/2026: Resolved. Property is land no HOI |
06/10/2026: Resolved. Property is land no HOI | 06/10/2026: Resolved. Property is land no HOI | QC Complete | 06/04/2026 | 06/10/2026 | 06/10/2026 | 06/03/2026 | |||
| 464 | XX | XX | XX | Massachusetts | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | MFIPOGZO0H3-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the condo questionnaire, as it is missing. 06/25/2026: Resolved. Received condominium Information sheet. |
06/25/2026: Resolved. Received condominium Information sheet. | 06/25/2026: Resolved. Received condominium Information sheet. | QC Complete | 06/22/2026 | 06/25/2026 | 06/25/2026 | 06/19/2026 | |||
| 469 | XX | XX | XX | Texas | 06/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | S41X0YEMUWE-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Use 100% of business assets in account #XX A copy of an exception approval letter is available in the loan file. |
FICO: 670 FICO exceeds the guideline requirement of 640. Residual Income : $22,095.16 monthly DTI: 19.381% DTI is less than the maximum guideline requirement of 50.00%. |
QC Complete | 07/08/2026 | 07/07/2026 | ||||||
| 470 | XX | XX | XX | Virginia | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | JIQAHKES4CZ-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Hazard insurance dwelling and increase dwelling coverage of
$XXis does not cover the loan amount $XX Provide a copy of the replacement
cost estimator or update the policy to cover the loan amount. 07/23/2026 Resolved - Resolved as per the fnma guidelines. |
07/23/2026 Resolved - Resolved as per the fnma guidelines. | 07/23/2026 Resolved - Resolved as per the fnma guidelines. | QC Complete | 06/17/2026 | 07/23/2026 | 07/23/2026 | 06/16/2026 | ||||
| 472 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | OKB0LRUDH2D-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | The REO property address is reflected asXX on the Form 1003 and
the lease agreement provided in the file. However, Schedule E reflects the
address as XX. Please provide an updated Schedule E reflecting the correct
property address of XX to ensure consistency with the loan file
documentation. 07/01/2026: Received LOE stating the correct property address per hazard insurance and county records isXX The discrepancy on tax returns is a typo and we (client) have confirmed online that property XXdoes not exist |
07/01/2026: Received LOE stating the correct property address per hazard insurance and county records is XX The discrepancy on tax returns is a typo and we (client) have confirmed online that property XX does not exist | 07/01/2026: Received LOE stating the correct property address per hazard insurance and county records is XX. The discrepancy on tax returns is a typo and we (client) have confirmed online that property XX does not exist | QC Complete | 06/22/2026 | 07/01/2026 | 07/01/2026 | 06/23/2026 | |||
| 472 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | OKB0LRUDH2D-JB8D6DUS | Resolved | 3 | R | * Missing Final 1003_Application (Lvl R) | Please provide a corrected and fully executed Final Form 1003
reflecting all sources of qualifying income. Section 1e should accurately
disclose the borrower's Other Income, including the monthly income amounts
attributed to Asset Depletion and Retirement Income, consistent with the
income used in the underwriting analysis and loan approval. 07/01/2026: Resolved. Received updated 1003 |
07/01/2026: Resolved. Received updated 1003 | 07/01/2026: Resolved. Received updated 1003 | QC Complete | 06/22/2026 | 07/01/2026 | 07/01/2026 | 06/23/2026 | |||
| 476 | XX | XX | XX | California | 07/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | DU3VXR223JA-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount
XX. Provide a copy of the title supplement report to cover the loan
amount. 07/17/2026: Resolved. Received updated title |
07/17/2026: Resolved. Received updated title | 07/17/2026: Resolved. Received updated title | QC Complete | 07/14/2026 | 07/17/2026 | 07/17/2026 | 07/14/2026 | |||
| 480 | XX | XX | XX | Tennessee | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CNAMRBVNLVR-XTK25AL2 | Resolved | 3 | R | * Purchase Contract is missing (Lvl R) | Provide a complete copy of the Purchase Agreement. Pages 1 of
12, 3 of 12, 10 of 12, and 11 of 12 are missing from the current file. 07/07/2026: Resolved. Received all pages of contract |
07/07/2026: Resolved. Received all pages of contract | 07/07/2026: Resolved. Received all pages of contract | QC Complete | 07/01/2026 | 07/07/2026 | 07/07/2026 | 07/01/2026 | |||
| 480 | XX | XX | XX | Tennessee | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CNAMRBVNLVR-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide an updated copy of the hazard insurance document that
includes the premium amount, as it is missing. 07/15/2026: Resolved. Received updated HOI. |
07/15/2026: Resolved. Received updated HOI. | 07/15/2026: Resolved. Received updated HOI. | QC Complete | 07/01/2026 | 07/15/2026 | 07/15/2026 | 06/30/2026 | |||
| 480 | XX | XX | XX | Tennessee | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CNAMRBVNLVR-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the lease agreement for the subject property
located at XX, as it is currently missing from the file. 07/13/2026: Countered. per the guidelines: Purchase and Delayed Financing Subject property is tenant occupied at the time of first payment due: The lesser of the market rent from the Single-Family Comparable Rent Schedule (Form 1007/1000) / Small Residential Income Property Appraisal Report (1025/72) or the current (active) lease agreement will be used to determine the monthly rent. A copy of the current lease is required. 07/15/2026: Resolved. The lessor of the actual rents from the rent schedule was used to calculate the DSCR calculations. |
07/15/2026: Resolved. The lessor of the actual rents from the rent schedule was used to calculate the DSCR calculations. | 07/15/2026: Resolved. The lessor of the actual rents from the rent schedule was used to calculate the DSCR calculations. | QC Complete | 07/01/2026 | 07/15/2026 | 07/15/2026 | 06/30/2026 | |||
| 483 | XX | XX | XX | Minnesota | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | G4RKWFM4UTT-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provided appraisal report reflects the occupancy as
owner-occupied and the loan purpose as an investment cash-out refinance
transaction. Provide a copy of updated appraisal to reflecting the correct
occupancy status as vacant/tenant. 06/19/2026: Resolved. Received updated appraisal |
06/19/2026: Resolved. Received updated appraisal | 06/19/2026: Resolved. Received updated appraisal | QC Complete | 06/16/2026 | 06/19/2026 | 06/19/2026 | 06/16/2026 | |||
| 483 | XX | XX | XX | Minnesota | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | G4RKWFM4UTT-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Borrower is only a 50% owner of the LLC the property is
currently vested in vs the requirement of being a majority
owner/shareholder A copy of an exception approval letter is available in the loan file. |
FICO: 791 FICO exceeds the guideline requirement of 680. Reserves: The 130 months of available reserves are more than the guideline requirement of 3 months. LTV: 55.25% LTV is less than the guideline requirement of 60.00%. |
QC Complete | 06/16/2026 | 06/16/2026 | ||||||
| 494 | XX | XX | XX | Illinois | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | C1GL4QTAPXZ-AEPG67BW | Resolved | 3 | R | * Missing credit report (Lvl R) | Provide a copy of Credit Report. 07/09/2026: Resolved. Received copy of credit report |
07/09/2026: Resolved. Received copy of credit report | 07/09/2026: Resolved. Received copy of credit report | QC Complete | 07/01/2026 | 07/09/2026 | 07/09/2026 | 07/01/2026 | |||
| 494 | XX | XX | XX | Illinois | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | C1GL4QTAPXZ-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide an updated final 1003 that includes the other income.
The SSA income was not listed on the final 1003 for either borrowers. 07/09/2026: Resolved. Received updated 1003 |
07/09/2026: Resolved. Received updated 1003 | 07/09/2026: Resolved. Received updated 1003 | QC Complete | 07/01/2026 | 07/09/2026 | 07/09/2026 | 07/01/2026 | |||
| 496 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 0SQ4Q1WD3XE-AEPG67BW | Resolved | 3 | R | * Missing credit report (Lvl R) | Provide a copy of Credit report as it is missing 07/08/2026: Resolved. Received credit report |
07/08/2026: Resolved. Received credit report | 07/08/2026: Resolved. Received credit report | QC Complete | 07/01/2026 | 07/08/2026 | 07/08/2026 | 06/30/2026 | |||
| 510 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 1J1YNMDA1SD-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Allowing to permit assignment of contract. (Original buyer wasXX
- it was assigned to XX, who is the husband.) A copy of an exception approval letter is available in the loan file. |
DTI: 31.56% DTI is less than the maximum guideline requirement
of 50.00%. FICO: 756 FICO exceeds the guideline requirement of 700. Reserves: The 13 months of available reserves are more than the guideline requirement of 6 months. |
QC Complete | 07/07/2026 | 07/07/2026 | ||||||
| 514 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | AGI1OTW1ILH-ZI5GG5MN | Resolved | 3 | R | * Automated Appraisal Review Missing (Lvl R) | Provide a copy of the secondary valuation CDA for subject
property as it missing. 07/07/2026: Resolved. Received CDA |
07/07/2026: Resolved. Received CDA | 07/07/2026: Resolved. Received CDA | QC Complete | 07/02/2026 | 07/07/2026 | 07/07/2026 | 06/30/2026 | |||
| 528 | XX | XX | XX | Florida | 05/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | MN1NW5MGGK5-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy updated Driver License. Document in file is
illegible. 06/08/2026: Resolved. Received ID |
06/08/2026: Resolved. Received ID | 06/08/2026: Resolved. Received ID | QC Complete | 06/03/2026 | 06/08/2026 | 06/08/2026 | 06/02/2026 | |||
| 532 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 4Z4Y0F1L3FK-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated final 1003 document with rent as
"$1,100" 07/10/2026 Resolved: The copy of updated 1003 resolves the condition. |
07/10/2026 Resolved: The copy of updated 1003 resolves the condition. | 07/10/2026 Resolved: The copy of updated 1003 resolves the condition. | QC Complete | 07/02/2026 | 07/10/2026 | 07/10/2026 | 07/01/2026 | |||
| 536 | XX | XX | XX | Georgia | 06/XX/2026 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZTCZZG1AUFI-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1)
Using the greater of the disclosed APR and the calculated APR, the
loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.291% Allowed 8.100% Overby +0.191% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | QC Complete | 06/18/2026 | 06/18/2026 | 06/18/2026 | 06/17/2026 | |||
| 536 | XX | XX | XX | Georgia | 06/XX/2026 | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | ZTCZZG1AUFI-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Coverage amount $XX on the title report is less than the
mortgage loan amount of XX. Provide a copy of Title supplement to cover the
loan amount. 06/23/2026: Resolved. Received updated title |
06/23/2026: Resolved. Received updated title | 06/23/2026: Resolved. Received updated title | QC Complete | 06/18/2026 | 06/23/2026 | 06/23/2026 | 06/17/2026 | |||
| 539 | XX | XX | XX | Texas | 06/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Valuation | Property | ALXSPVQLWK2-I303N0YD | Waived | 2 | W | * Property zoned rural and contains more than 10 acres (Lvl W) | Exception is for subject property having XX Acres , when Max
allowed is 20 Acres A copy of an exception approval letter is available in the loan file. |
LTV: 73.659% LTV is less than the guideline requirement of
85.00%. Residual Income : $28,874.47 monthly. DTI: 27.87% DTI is less than the maximum guideline requirement of 50.00%. |
QC Complete | 06/23/2026 | 06/19/2026 | ||||||
| 541 | XX | XX | XX | Utah | 05/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | UVZCOD5YOIX-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide an updated title report with the property address
reflecting the unit no "#XX ". 06/12/2026: Resolved. Received updated title. |
06/12/2026: Resolved. Received updated title. | 06/12/2026: Resolved. Received updated title. | QC Complete | 06/04/2026 | 06/12/2026 | 06/12/2026 | 06/04/2026 | |||
| 543 | XX | XX | XX | Washington | 07/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 0BTHEWM1P4M-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Requesting exception for DTI over 50%. DTI is 52.628%. A copy of an exception approval letter is available in the loan file. |
FICO: 747 exceeds the minimum FICO requirement of 720. Reserves: 94 months of available reserves are more than the guideline requirement of 10 months. B1 has a 3rd income source started September 2025, most recent start date February 2026 and year-to-date income average is $3356 not using due to less than 12-month history. |
QC Complete | 08/12/2026 | 07/14/2026 | ||||||
| 546 | XX | XX | XX | Georgia | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | QOVVZOXNA3R-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report reflecting
coverage for the full loan amount. The current title insurance amount of $XX
does not cover the loan amount of $XX 06/26/2026: Resolved. Received updated title |
06/26/2026: Resolved. Received updated title | 06/26/2026: Resolved. Received updated title | QC Complete | 06/22/2026 | 06/26/2026 | 06/26/2026 | 06/19/2026 | |||
| 547 | XX | XX | XX | Illinois | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | NUATFMRJWPG-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the updated final 1003. The Income from other
Source section does not reflect the Asset Depletion income for Co-Borrower (
XX) , in the amount of $2,120.50 as it
is missing 07/08/2026: Resolved. Received updated 1003 |
07/08/2026: Resolved. Received updated 1003 | 07/08/2026: Resolved. Received updated 1003 | QC Complete | 07/01/2026 | 07/08/2026 | 07/08/2026 | 07/01/2026 | |||
| 547 | XX | XX | XX | Illinois | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | NUATFMRJWPG-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | FTHBs living rent free A copy of an exception approval letter is available in the loan file. |
FICO: 784 FICO exceeds the guideline requirement of 700. Reserves: The 72 months of available reserves are more than the guideline requirement of 6 months. LTV: 70.00% LTV is less than the guideline requirement of 85.00%. |
QC Complete | 07/01/2026 | 07/01/2026 | ||||||
| 556 | XX | XX | XX | California | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | PL1ARKOCJWS-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provided hazard insurance document reflect the subject mortgagee
name as 'XX', which is not the subject lender. Provided a copy of updated
hazard insurance document to reflect the correct subject mortgagee name as
'XX'. 07/07/2026: Resolved. Received updated HOI |
07/07/2026: Resolved. Received updated HOI | 07/07/2026: Resolved. Received updated HOI | QC Complete | 07/01/2026 | 07/07/2026 | 07/07/2026 | 07/01/2026 | |||
| 556 | XX | XX | XX | California | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | PL1ARKOCJWS-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of Business Purpose Affidavit as it is
missing. 07/07/2026: Resolved. Received copy of Business Purpose |
07/07/2026: Resolved. Received copy of Business Purpose | 07/07/2026: Resolved. Received copy of Business Purpose | QC Complete | 07/01/2026 | 07/07/2026 | 07/07/2026 | 07/01/2026 | |||
| 562 | XX | XX | XX | California | 05/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 4WQT4YJMNQC-L2NRUFUV | Resolved | 3 | R | * Intent to Proceed Missing (Lvl R) | Missing Intent to Proceed Document. Resolved 06/23/2026: Received Intent to proceed document dated 04/XX/2026 and exception is cleared. |
Resolved 06/23/2026: Received Intent to proceed document dated
04/XX/2026 and exception is cleared. |
Resolved 06/23/2026: Received Intent to proceed document dated
04/XX/2026 and exception is cleared. |
QC Complete | 06/18/2026 | 06/23/2026 | 06/23/2026 | 06/17/2026 | |||
| 562 | XX | XX | XX | California | 05/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 4WQT4YJMNQC-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Preliminary title does not reflect the amount of $XX title
insured coverage amount. provide a copy of supplemental report. 06/24/2026 Resolved : The copy of final title policy resolves the condition. |
06/24/2026 Resolved : The copy of final title policy resolves the condition. | 06/24/2026 Resolved : The copy of final title policy resolves the condition. | QC Complete | 06/18/2026 | 06/24/2026 | 06/24/2026 | 06/17/2026 | |||
| 569 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | ECIRAXQ5RMI-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment
is less than the loan amount. Provide an updated title report to cover the
loan amount of $XX 07/14/2026: Resolved. Received updated title |
07/14/2026: Resolved. Received updated title | 07/14/2026: Resolved. Received updated title | QC Complete | 08/12/2026 | 08/12/2026 | 08/12/2026 | 07/08/2026 | |||
| 569 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | ECIRAXQ5RMI-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Requesting exception to not payoff/remove a disputed collection
account within 24 mos. and >$2000. A copy of an exception approval letter is available in the loan file. |
FICO: 752 exceeds the minimum FICO requirement of 720. DSCR: 1.02 exceeds the minimum DSCR requirement of 1.00. Reserves: 30 months of available reserves are more than the guideline requirement of 6 months. |
QC Complete | 08/12/2026 | 07/08/2026 | ||||||
| 574 | XX | XX | XX | California | 07/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | OJBOLJB5EIX-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Condo Rider as the appraisal report indicated
the subject property ad Condo property. 07/21/2026: Resolved. Received corrected appraisal correcting property to a PUD |
07/21/2026: Resolved. Received corrected appraisal correcting property to a PUD | 07/21/2026: Resolved. Received corrected appraisal correcting property to a PUD | QC Complete | 07/16/2026 | 07/21/2026 | 07/21/2026 | 07/15/2026 | |||
| 576 | XX | XX | XX | Texas | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | RSQN3KEBNYL-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | As per note loan amount is $XX loan score card reflecting loan
amount of $XX. Required correction of loan amount in loan scorecard as per
note loan amount. 06/26/2026: Resolved. Received updated LoanScore Card. |
06/26/2026: Resolved. Received updated LoanScore Card. | 06/26/2026: Resolved. Received updated LoanScore Card. | QC Complete | 06/18/2026 | 06/26/2026 | 06/26/2026 | 06/17/2026 | |||
| 576 | XX | XX | XX | Texas | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | RSQN3KEBNYL-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan
amount, The amount of title insurance $XX does not cover the loan amount
$XX 06/24/2026: Resolved. Received updated title. |
06/24/2026: Resolved. Received updated title. | 06/24/2026: Resolved. Received updated title. | QC Complete | 06/18/2026 | 06/24/2026 | 06/24/2026 | 06/17/2026 | |||
| 578 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZBKNX22SQC4-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1)
Using the greater of the disclosed APR and the calculated APR, the
loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.481% Allowed 8.100% Overby +0.381% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | QC Complete | 06/22/2026 | 06/22/2026 | 06/22/2026 | 06/19/2026 | |||
| 581 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | WIKA2S5YKH2-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | 1. The XX bank statement reflects the business name as
"XX." The income is $13,936.63 for B1 and $13,390.09 for B2.
However, in the final 1003, the income is matched with "XX." A
correction is required to update the final 1003 for B1 and B2 to reflect the
correct business names. 2. The XXbank statement reflects the business name as "XX." The income is $12,898.52 for B1 and $12,392.69 for B2. However, in the final 1003, the income is matched with "XXN." A correction is required to update the final 1003 for B1 and B2 to reflect the correct business names. 07/21/2026: Resolved. Received updated 1003 |
07/21/2026: Resolved. Received updated 1003 | 07/21/2026: Resolved. Received updated 1003 | QC Complete | 08/14/2026 | 08/14/2026 | 08/14/2026 | 07/01/2026 | |||
| 581 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Title Policy | WIKA2S5YKH2-D7HQ8S9D | Resolved | 3 | R | * Missing Final Title Policy with applicable xx endorsements. (i.e., xx 8.1, 9) (Lvl R) | The mortgage clause is missing from the title report. provide an
updated copy of the title report that includes the mortgage clause 07/16/2026: Resolved. Received updated title. |
07/16/2026: Resolved. Received updated title. | 07/16/2026: Resolved. Received updated title. | QC Complete | 08/14/2026 | 08/14/2026 | 08/14/2026 | 08/14/2026 | |||
| 581 | XX | XX | XX | Illinois | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | WIKA2S5YKH2-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | As per the government ID, the borrower "XX" is male;
however, the final 1003 reflects the sex as "female." A correction
is required for final 1003 to change the sex from female to male. 07/08/2026: Resolved. Received updated 1003 |
07/08/2026: Resolved. Received updated 1003 | 07/08/2026: Resolved. Received updated 1003 | QC Complete | 08/14/2026 | 08/14/2026 | 08/14/2026 | 07/01/2026 | |||
| 611 | XX | XX | XX | Washington | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 0IHH1N4IQKA-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Cash back of 600K exceeds guideline maximum cash out 500K at 66%
LTV A copy of an exception approval letter is available in the loan file. |
FICO: 782 FICO exceeds the guideline requirement of 640. DTI: 30.62% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $11,834.25 monthly. |
QC Complete | 07/02/2026 | 07/01/2026 | ||||||
| 611 | XX | XX | XX | Washington | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | 0IHH1N4IQKA-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated final 1003 document with other income
asset depletion $12,000.00 reflecting on it. 07/09/2026: Resolved. Received updated 1003 |
07/09/2026: Resolved. Received updated 1003 | 07/09/2026: Resolved. Received updated 1003 | QC Complete | 07/02/2026 | 07/09/2026 | 07/09/2026 | 07/01/2026 | |||
| 613 | XX | XX | XX | California | 07/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | UP2OZEKTOZD-UDN50XOG | Resolved | 3 | R | * Borrower Identity Missing (Lvl R) | Provide a copy of updated borrower government ID as it is
expired. 07/21/2026: Resolved. At the time of closing ID had not expired. |
07/21/2026: Resolved. At the time of closing ID had not expired. | 07/21/2026: Resolved. At the time of closing ID had not expired. | QC Complete | 07/16/2026 | 07/21/2026 | 07/21/2026 | 07/15/2026 | |||
| 615 | XX | XX | XX | Texas | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3JCEDPSYLOR-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Unable to determine Lender's name on title, provide a copy of
updated title report. 06/24/2026: Resolved. Received updated title. |
06/24/2026: Resolved. Received updated title. | 06/24/2026: Resolved. Received updated title. | QC Complete | 06/18/2026 | 06/24/2026 | 06/24/2026 | 06/17/2026 | |||
| 615 | XX | XX | XX | Texas | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | 3JCEDPSYLOR-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Hazard insurance dwelling amount $XX is not sufficient to cover
the loan amount $XX. Provide RCA document. 06/24/2026: Resolved. Received RCE. |
06/24/2026: Resolved. Received RCE. | 06/24/2026: Resolved. Received RCE. | QC Complete | 06/18/2026 | 06/24/2026 | 06/24/2026 | 06/16/2026 | ||||
| 617 | XX | XX | XX | Colorado | 06/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XELUTLPXFCD-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Amount of Title insurance $XX is less than the loan amount XX,
Provide a copy of supplemental report. 07/14/2026: Resolved. Received updated title. |
07/14/2026: Resolved. Received updated title. | 07/14/2026: Resolved. Received updated title. | QC Complete | 07/02/2026 | 07/14/2026 | 07/14/2026 | 07/02/2026 | |||
| 618 | XX | XX | XX | Maryland | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | MBIOOSPJVKQ-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide an updated final 1003. The asset depletion income must
be listed under Other Income on the final 1003. 07/14/2026: Resolved. Received updated 1003 |
07/14/2026: Resolved. Received updated 1003 | 07/14/2026: Resolved. Received updated 1003 | QC Complete | 07/08/2026 | 07/14/2026 | 07/14/2026 | 07/08/2026 | |||
| 620 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | I1WSP1HH3MR-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.326% Allowed 8.070% Overby +0.256%. This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 07/09/2026 | 07/09/2026 | 07/09/2026 | 07/08/2026 | |||
| 620 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Valuation | Appraisal | I1WSP1HH3MR-H308PJGK | Resolved | 3 | R | * Appraiser Licence Missing (Lvl R) | Provide a copy of the appraiser license, as it is missing in the
loan file. 07/14/2026: Resolved. Received appraisers license. |
07/14/2026: Resolved. Received appraisers license. | 07/14/2026: Resolved. Received appraisers license. | QC Complete | 07/09/2026 | 07/14/2026 | 07/14/2026 | 07/08/2026 | |||
| 621 | XX | XX | XX | Florida | 06/XX/2026 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | QSXRXB3WWQA-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | "Borrower has Social Security income, but it is not
reflected on the 1003. A correction to the 1003 is required." 07/14/2026: Resolved. Received updated 1003 |
07/14/2026: Resolved. Received updated 1003 | 07/14/2026: Resolved. Received updated 1003 | QC Complete | 07/02/2026 | 07/14/2026 | 07/14/2026 | 07/01/2026 | |||
| 623 | XX | XX | XX | Texas | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | CJXDL15ZSPQ-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide an updated hazard insurance with mortgage clause
"ISAOA/ATIMA" for the mortgagee "XX". 07/17/2026: Resolved. Received updated HOI |
07/17/2026: Resolved. Received updated HOI | 07/17/2026: Resolved. Received updated HOI | QC Complete | 07/06/2026 | 07/17/2026 | 07/17/2026 | 07/02/2026 | |||
| 626 | XX | XX | XX | Oregon | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | GFBV4KHHAQP-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Title report or supplemental title
report including Lender ISAOA/ATIMA clause, as is it missing. 06/29/2026: Resolved. Received updated title. |
06/29/2026: Resolved. Received updated title. | 06/29/2026: Resolved. Received updated title. | QC Complete | 06/23/2026 | 06/29/2026 | 06/29/2026 | 06/23/2026 | |||
| 636 | XX | XX | XX | New York | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | KBPLW3P4WDE-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Subject property XX is reflecting as Primary residence in REO
section. Provide a copy of corrected 1003 reflecting Investment. 06/24/2026 Resolved : The copy of corrected final application resolves the condition. |
06/24/2026 Resolved : The copy of corrected final application resolves the condition. | 06/24/2026 Resolved : The copy of corrected final application resolves the condition. | QC Complete | 06/19/2026 | 06/24/2026 | 06/24/2026 | 06/18/2026 | |||
| 636 | XX | XX | XX | New York | 06/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | KBPLW3P4WDE-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | REO property in 1003 3b section ( XX) reflecting as primary
residence, provide updated 1003 or supporting documents. 06/24/2026 Resolved : The copy of corrected final application resolves the condition. |
06/24/2026 Resolved : The copy of corrected final application resolves the condition. | 06/24/2026 Resolved : The copy of corrected final application resolves the condition. | QC Complete | 06/19/2026 | 06/24/2026 | 06/24/2026 | 06/18/2026 | |||
| 650 | XX | XX | XX | Georgia | 07/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | LWG3S4HMHCB-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Exception for FTHB with only six months rental history. A copy of an exception approval letter is available in the loan file. |
FICO: 789 FICO exceeds the guideline requirement of 700. Residual Income : $2,042.15 monthly . LTV: 49.98% LTV is less than the guideline requirement of 90.00%. |
QC Complete | 07/20/2026 | 07/17/2026 | ||||||
| 651 | XX | XX | XX | New York | 05/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | IZ1DM4O5Y5S-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide an LEO stating that the property XX" have no HOA
fees. 06/24/2026: Countered. The final 1003 does not indicate that the property is a SFR. A LOE stating no HOA fees for XX 06/30/2026: Countered. Proof XXe is a SFR to show proof property has no HOA fee. 07/08/2026: Resolved. Received loe from client stating they do not provide proof of property type for every REO listed on the 1003. |
07/08/2026: Resolved. Received loe from client stating they do not provide proof of property type for every REO listed on the 1003. | 07/08/2026: Resolved. Received loe from client stating they do not provide proof of property type for every REO listed on the 1003. | QC Complete | 06/10/2026 | 07/09/2026 | 07/09/2026 | 06/10/2026 | |||
| 663 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 0TSQ5VLXGQZ-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide proof of HOA fee for the property "XX" as it
is missing. 07/07/2026: Resolved. Received proof of HOA |
07/07/2026: Resolved. Received proof of HOA | 07/07/2026: Resolved. Received proof of HOA | QC Complete | 07/01/2026 | 07/07/2026 | 07/07/2026 | 07/01/2026 | |||
| 663 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 0TSQ5VLXGQZ-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | The DOT shows both PUD and condominium riders checked. Provide
an updated DOT with only condominium rider checked. 07/07/2026: Resolved. Received updated DOT |
07/07/2026: Resolved. Received updated DOT | 07/07/2026: Resolved. Received updated DOT | QC Complete | 07/01/2026 | 07/07/2026 | 07/07/2026 | 07/01/2026 | |||
| 665 | XX | XX | XX | California | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | TEYWU2SMOWD-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | The title amount is not sufficient to cover the loan amount of
$XX. Provide a copy of the supplemental title report. 07/14/2026: Resolved. Received updated title |
07/14/2026: Resolved. Received updated title | 07/14/2026: Resolved. Received updated title | QC Complete | 07/02/2026 | 07/14/2026 | 07/14/2026 | 07/01/2026 | |||
| 665 | XX | XX | XX | California | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | TEYWU2SMOWD-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the insurance and HOA documents for the
property located atXX 07/07/2026; Resolved. Received HOI & HOA |
07/07/2026; Resolved. Received HOI & HOA | 07/07/2026; Resolved. Received HOI & HOA | QC Complete | 07/02/2026 | 07/07/2026 | 07/07/2026 | 07/02/2026 | |||
| 667 | XX | XX | XX | Texas | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 15DUPSK41ZM-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.649% Allowed 8.100% + Overby 0.549% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | QC Complete | 07/02/2026 | 07/02/2026 | 07/02/2026 | 07/01/2026 | |||
| 671 | XX | XX | XX | Maryland | 07/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | OMJKJ5D13QY-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the Business Purpose Loan Certification,
signed by the borrower, as it is missing. 07/21/2026: Resolved. Received business purpose |
07/21/2026: Resolved. Received business purpose | 07/21/2026: Resolved. Received business purpose | QC Complete | 07/16/2026 | 07/21/2026 | 07/21/2026 | 07/15/2026 | |||
| 675 | XX | XX | XX | Indiana | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | GBWY0W1LXJT-XRW0S8RB | Resolved | 3 | R | * Disclosure - Your Home Loan Toolkit is missing or unexecuted (Lvl R) | Missing Home Loan Toolkit. 06/24/2026 Resolved : the copy of toolkit resolves the condition. |
06/24/2026 Resolved : the copy of toolkit resolves the condition. | 06/24/2026 Resolved : the copy of toolkit resolves the condition. | QC Complete | 06/22/2026 | 06/24/2026 | 06/24/2026 | 06/18/2026 | |||
| 689 | XX | XX | XX | New Jersey | 05/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 4RKXRQ3SKRW-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z Qualified Mortgage Safe Harbor Threshold: Charged 7.954% Allowed 7.920% Overby+0.034%. This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 06/03/2026 | 06/03/2026 | 06/03/2026 | 06/02/2026 | |||
| 693 | XX | XX | XX | California | 07/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | B04VR4R352V-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Hazard insurance dwelling coverage of $XX is does not cover the
loan amount $XX. Provide a copy of the replacement cost estimator or update
the policy to cover the loan amount. 7/17/2026: Resolved. Received RCE |
7/17/2026: Resolved. Received RCE | 7/17/2026: Resolved. Received RCE | QC Complete | 07/14/2026 | 07/17/2026 | 07/17/2026 | 07/14/2026 | ||||
| 693 | XX | XX | XX | California | 07/XX/2026 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | B04VR4R352V-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Assets are insufficient to cover the required reserves of
$28,718.60. Provide a copies of most recent additional two months of bank
statements to meet the reserve requirements. 07/17/2026: Resolved. Received additional bank statements. |
07/17/2026: Resolved. Received additional bank statements. | 07/17/2026: Resolved. Received additional bank statements. | QC Complete | 07/14/2026 | 07/17/2026 | 07/17/2026 | 07/14/2026 | |||
| 695 | XX | XX | XX | Florida | 05/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 3EFDJNN3GPY-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Correction required on final 1003, subject property occupancy
from "Primary residence" to "Investment" on REO
section. 06/26/2026: Countered. The 1003 still shows XX as the primary residence. This address needs to be shown as investment in the REO section of the 1003. 07/02/2026: Resolved. Received updated 1003 |
07/02/2026: Resolved. Received updated 1003 | 07/02/2026: Resolved. Received updated 1003 | QC Complete | 06/10/2026 | 07/02/2026 | 07/02/2026 | 06/08/2026 | |||
| 695 | XX | XX | XX | Florida | 05/XX/2026 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | 3EFDJNN3GPY-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount is not sufficient to cover loan amount. Provide
an updated hazard insurance with sufficient dwelling or Replacement cost
estimator (RCE). 6/15/2026: Resolved. Received RCE |
6/15/2026: Resolved. Received RCE | 6/15/2026: Resolved. Received RCE | QC Complete | 06/10/2026 | 06/15/2026 | 06/15/2026 | 06/04/2026 | ||||
| 699 | XX | XX | XX | Pennsylvania | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 2MTHKBNEMFW-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of corrected final 1003 to resolve the final 1003
REO property occupancy discrepancy for property XX., occupancy reflecting as
Investment rather then Primary
residence. 07/10/2026 Resolved : The copy of updated 1003 resolves the condition. |
07/10/2026 Resolved : The copy of updated 1003 resolves the condition. | 07/10/2026 Resolved : The copy of updated 1003 resolves the condition. | QC Complete | 07/02/2026 | 07/10/2026 | 07/10/2026 | 07/02/2026 | |||
| 702 | XX | XX | XX | North Carolina | 06/XX/2026 | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 4RT0ITOBL4V-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Permit one full appraisal with CDA to support for cash out
refinance with appreciation greater than 20% in the past 12 months A copy of an exception approval letter is available in the loan file. |
FICO: 714 FICO exceeds the guideline requirement of 700. LTV: 69.61% LTV is less than the guideline requirement of 70.00%. DTI: 22.30% DTI is less than the maximum guideline requirement of 50.00%. |
QC Complete | 07/02/2026 | 07/02/2026 | ||||||
| 704 | XX | XX | XX | New York | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | YUOSBT1U33J-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Condo Questionnaire as it is missing. 06/19/2026: Resolved. 1008 indicates Exempt from review, Condo project review waived. |
06/19/2026: Resolved. 1008 indicates Exempt from review, Condo project review waived. | 06/19/2026: Resolved. 1008 indicates Exempt from review, Condo project review waived. | QC Complete | 06/16/2026 | 06/19/2026 | 06/19/2026 | 06/16/2026 | |||
| 704 | XX | XX | XX | New York | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | YUOSBT1U33J-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Hazard insurance dwelling coverage of $XX is does not cover the
loan amount $XX Provide a copy of the master policy to cover the loan
amount. 06/19/2026: Resolved. Received master policy |
06/19/2026: Resolved. Received master policy | 06/19/2026: Resolved. Received master policy | QC Complete | 06/16/2026 | 06/19/2026 | 06/19/2026 | 06/15/2026 | ||||
| 704 | XX | XX | XX | New York | 06/XX/2026 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | YUOSBT1U33J-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a copy of corrected final 1003 to resolve the final 1003
REO property discrepancy for XX as the final 1003 reflects only 'XX with a
payment of $3,469, and the initial 1003 included both XX' and 'XX' with a
total payment of $10,128.00, which has been verified and used in DTI
calculations. 06/22/2026: Resolved.XX servicing #XX is listed on REO XX and XX is listed on X. |
06/22/2026: Resolved. XX is listed on XX and XX is listed on XX | 06/22/2026: Resolved. XX is listed onXX and XX is listed on XX | QC Complete | 06/16/2026 | 06/22/2026 | 06/22/2026 | 06/16/2026 | |||
| 719 | XX | XX | XX | Washington | 05/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | JUHJZNT0K33-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Loan Amount exception for $XX vs $1,500,000 max for FTHB A copy of an exception approval letter is available in the loan file. |
FICO: 791 FICO exceeds the guideline requirement of 700. Residual Income : $8208.903 monthly. |
QC Complete | 06/03/2026 | 06/02/2026 | ||||||
| 725 | XX | XX | XX | Michigan | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Valuation | Appraisal | GLZDZHOIEM3-ANNC2X7V | Resolved | 3 | R | * The Appraisal License is Missing (Lvl R) | Provide a copy of appraisal license. 06/24/2026 Resolved : The copy of appraisal license resolves the condition. |
06/24/2026 Resolved : The copy of appraisal license resolves the condition. | 06/24/2026 Resolved : The copy of appraisal license resolves the condition. | QC Complete | 06/18/2026 | 06/24/2026 | 06/24/2026 | 06/17/2026 | |||
| 725 | XX | XX | XX | Michigan | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | GLZDZHOIEM3-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.318% Allowed 8.020% Overby +1.298% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | QC Complete | 06/18/2026 | 06/18/2026 | 06/18/2026 | 06/18/2026 | |||
| 726 | XX | XX | XX | Michigan | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | HZV50NCACSM-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.355% Allowed 7.990% Overby +0.365% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 07/09/2026 | 07/09/2026 | 07/09/2026 | 07/09/2026 | |||
| 728 | XX | XX | XX | California | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | VEDIWRVI2UO-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title supplement which is missing in the loan
file 07/20/2026: Resolved. Received updated title. |
07/20/2026: Resolved. Received updated title. | 07/20/2026: Resolved. Received updated title. | QC Complete | 07/08/2026 | 07/20/2026 | 07/20/2026 | 07/08/2026 | |||
| 735 | XX | XX | XX | Missouri | 06/XX/2026 | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 3LUFCBR3TMM-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Non-permanent residents are not acceptable as per the guideline. However, an approved exception letter is present in the loan file, allowing the non-permanent resident borrower to qualify under the DSCR program. | DSCR: 1.09 DSCR exceeds the guideline requirement of 1.00. FICO: 728 FICO exceeds the guideline requirement of 720. Reserves: The 29 months of available reserves are more than the guideline requirement of 6 months. |
QC Complete | 08/12/2026 | 06/16/2026 | ||||||
| 736 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | JNO1HJFQFQ1-ZI5GG5MN | Resolved | 3 | R | * Automated Appraisal Review Missing (Lvl R) | Provide an updated CDA with borrower name "XX". 06/30/2026: Resolved. Received updated CDA |
06/30/2026: Resolved. Received updated CDA | 06/30/2026: Resolved. Received updated CDA | QC Complete | 06/22/2026 | 06/30/2026 | 06/30/2026 | 06/22/2026 | |||
| 736 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | JNO1HJFQFQ1-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Borrower bank statementXXn ***XX and the CPA letter are
reflecting name as "XX". Provide an updated name affidavit with the
name "XX" or an LOE required for name discrepancy. 06/30/3026: Resolved. xx is a shortened name of XX. Credit report includes the name XX as an additional name. |
06/30/3026: Resolved. XX is a shortened name of XX. Credit report includes the name XX as an additional name. | 06/30/3026: Resolved. XX is a shortened name of XX. Credit report includes the name XX as an additional name. | QC Complete | 06/22/2026 | 06/30/2026 | 06/30/2026 | 06/22/2026 | |||
| 736 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | JNO1HJFQFQ1-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide an updated 1003 with other income Pension $4,844.10 per
month.As the loan is qualified using the borrower's pension income also. 06/29/2026: Resolved. Received updated 1003. |
06/29/2026: Resolved. Received updated 1003. | 06/29/2026: Resolved. Received updated 1003. | QC Complete | 06/22/2026 | 06/29/2026 | 06/29/2026 | 06/19/2026 | |||
| 736 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Title Review | JNO1HJFQFQ1-A7YJSEV7 | Resolved | 3 | R | * Title issue (Lvl R) | Provide an updated title report with mortgage clause
"ISAOA/ITMA" for lender "XX". 06/30/2026: Resolved. Received updated title. |
06/30/2026: Resolved. Received updated title. | 06/30/2026: Resolved. Received updated title. | QC Complete | 06/22/2026 | 06/30/2026 | 06/30/2026 | 06/22/2026 | |||
| 737 | XX | XX | XX | Georgia | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | CDB3WE52W25-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a supporting document for $274 for the property XX 7/8/2026: Countered. document provided does not show an amount. 07/10/2026 Resolved - The copy of property details resolves the condition. |
07/10/2026 Resolved - The copy of property details resolves the condition. | 07/10/2026 Resolved - The copy of property details resolves the condition. | QC Complete | 07/02/2026 | 07/10/2026 | 07/10/2026 | 07/01/2026 | |||
| 742 | XX | XX | XX | Ohio | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | J14K5BF1YNN-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 7.930% Allowed 7.920% Overby +0.010% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 07/09/2026 | 07/09/2026 | 07/09/2026 | 07/09/2026 | |||
| 742 | XX | XX | XX | Ohio | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | J14K5BF1YNN-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the updated final 1003. The Income from other
Source section does not reflect the Asset Depletion income for Borrower 1, (
XX), in the amount of $22,709.17 as it is missing 07/14/2026: Resolved. Received updated 1003 |
07/14/2026: Resolved. Received updated 1003 | 07/14/2026: Resolved. Received updated 1003 | QC Complete | 07/09/2026 | 07/14/2026 | 07/14/2026 | 07/09/2026 | |||
| 743 | XX | XX | XX | Florida | 06/XX/2026 | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | GJZSQEELHO2-J587LE2V | Resolved | 4 | R | * Loan does not conform to program guidelines (Lvl R) | Loan files do not meet guideline requirements. The guideline
restricts property eligibility and excludes first-time homebuyers. 06/30/2026: Countered. The property report provided does not show XX as owner of the property. Proof is still needed that the borrower is not a FTHB. 07/08/2026 Resolved - the copy of property report showing borrower's ownership resolves the condition. |
07/08/2026 Resolved - the copy of property report showing borrower's ownership resolves the condition. | 07/08/2026 Resolved - the copy of property report showing borrower's ownership resolves the condition. | QC Complete | 06/24/2026 | 07/08/2026 | 07/08/2026 | 06/23/2026 | |||
| 745 | XX | XX | XX | Texas | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | QTAOYLNKCMQ-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Exception to allow maximum cash out of $750,000 for LTV over
60%, currently at 63%. A copy of an exception approval letter is available in the loan file. |
FICO: 731 FICO exceeds the guideline requirement of 640 LTV: 62.857% LTV is less than the guideline requirement of 70.00%. DTI: 44.126% DTI is less than the maximum guideline requirement of 50.00%. |
QC Complete | 08/12/2026 | 06/16/2026 | ||||||
| 745 | XX | XX | XX | Texas | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | QTAOYLNKCMQ-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the closing protection letter (CPL), as it is
missing. 06/23/2026: Resolved. Received CPL |
06/23/2026: Resolved. Received CPL | 06/23/2026: Resolved. Received CPL | QC Complete | 08/12/2026 | 08/12/2026 | 08/12/2026 | 06/17/2026 | |||
| 746 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 2Y1L5A1C1YF-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide a supporting document for considering P&I of
$10,229.12 reflecting on 1008 & loan scorecard. 07/02/2026: Resolved. Received LOE stating loan is an ARM and the amount qualifying P&I is based on the qulaifiying rate of 7.59 |
07/02/2026: Resolved. Received LOE stating loan is an ARM and the amount qualifying P&I is based on the qulaifiying rate of 7.59 | 07/02/2026: Resolved. Received LOE stating loan is an ARM and the amount qualifying P&I is based on the qulaifiying rate of 7.59 | QC Complete | 06/23/2026 | 07/02/2026 | 07/02/2026 | 06/22/2026 | |||
| 746 | XX | XX | XX | Washington | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 2Y1L5A1C1YF-UTM9VHCU | Resolved | 3 | R | * Final Application Incomplete (Lvl R) | Provide an updated final 1003 with other income asset depletion
$2,800.00 reflecting on it. 07/02/2006: Resolved. Received updated 1003 |
07/02/2006: Resolved. Received updated 1003 | 07/02/2006: Resolved. Received updated 1003 | QC Complete | 06/23/2026 | 07/02/2026 | 07/02/2026 | 06/22/2026 | |||
| 762 | XX | XX | XX | North Carolina | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | KG5DPZVNWTT-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.497% Allowed 7.760% Overby +0.737% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 06/23/2026 | 06/23/2026 | 06/23/2026 | 06/23/2026 | |||
| 762 | XX | XX | XX | North Carolina | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Assets Insufficient | KG5DPZVNWTT-RDQHOAL4 | Resolved | 3 | R | * Assets are not sufficient to close (Lvl R) | Assets are not sufficient to cover the required reserves and
cash to close. Provide a copies of the additional most recent two months’
bank statements to verify sufficient assets to meet the reserve and
cash-to-close requirement in the amount of $314,334.28, as it is missing. 06/29/2029: Countered. Total amount needed for cash to close and reserves is $742,440.17. Total verified is only $603,509.93. An additional $138,930.24 is still needed to be verified. 07/02/2026: Countered. Will need to show proof of funds. 07/09/2026: Resolved. Received wire for $550,000.00 |
07/09/2026: Resolved. Received wire for $550,000.00 | 07/09/2026: Resolved. Received wire for $550,000.00 | QC Complete | 06/23/2026 | 07/09/2026 | 07/09/2026 | 06/22/2026 | |||
| 776 | XX | XX | XX | New Jersey | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | I3EZLZFLLE5-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated hazard insurance with subject lender
mortgage clause. 07/10/2026 Resolved : The copy of hazard insurance resolves the condition. |
07/10/2026 Resolved : The copy of hazard insurance resolves the condition. | 07/10/2026 Resolved : The copy of hazard insurance resolves the condition. | QC Complete | 07/08/2026 | 07/10/2026 | 07/10/2026 | 07/08/2026 | |||
| 776 | XX | XX | XX | New Jersey | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | I3EZLZFLLE5-V7TJ126N | Resolved | 3 | R | * Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan
amount, The amount of title insurance $XX does not cover the loan amount
$XX. 07/14/2026: Resolved. Received updated title. |
07/14/2026: Resolved. Received updated title. | 07/14/2026: Resolved. Received updated title. | QC Complete | 07/08/2026 | 07/14/2026 | 07/14/2026 | 07/08/2026 | |||
| 778 | XX | XX | XX | Arizona | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | WJ3B0IPQ2V0-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of tax document for the property "XX"
as it is missing. 07/20/2026: Resolved. Received tax document |
07/20/2026: Resolved. Received tax document | 07/20/2026: Resolved. Received tax document | QC Complete | 07/02/2026 | 07/20/2026 | 07/20/2026 | 07/01/2026 | |||
| 778 | XX | XX | XX | Arizona | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | WJ3B0IPQ2V0-QSFFZZOT | Resolved | 3 | R | * Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of Replacement cost estimate. Amount of hazard
insurance is not sufficient to cover the loan amount. 07/08/2026: Countered. Documnet provided is evidence of insurance. A replacement cost estimator is needed to calculate additional coverage needed. 07/10/2026 Resolved : The copy of hazard insurance with replacement cost resolves the condition. |
07/10/2026 Resolved : The copy of hazard insurance with replacement cost resolves the condition. | 07/10/2026 Resolved : The copy of hazard insurance with replacement cost resolves the condition. | QC Complete | 07/02/2026 | 07/10/2026 | 07/10/2026 | 07/01/2026 | ||||
| 782 | XX | XX | XX | Georgia | 06/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XHASPCKKRZI-H3X4TJ0T | Resolved | 3 | R | * Missing Title evidence (Lvl R) | Provide a copy of Title Report for subject property as it is
missing. 06/25/2026: Countered. The document provided is only a Pre-closing status report. The full title commitment with all schedules and coverage amount of $XX is still needed. 07/16/2026: Resolved. Received updated title. |
07/16/2026: Resolved. Received updated title. | 07/16/2026: Resolved. Received updated title. | QC Complete | 06/22/2026 | 07/16/2026 | 07/16/2026 | 06/18/2026 | |||
| 785 | XX | XX | XX | Michigan | 06/XX/2026 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ITHBHERGE1G-U0OKEMMW | Resolved | 3 | R | * Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of HOA or insurance for XX 07/10/2026 Resolved - The copy of HOA document resolves the condition. |
07/10/2026 Resolved - The copy of HOA document resolves the condition. | 07/10/2026 Resolved - The copy of HOA document resolves the condition. | QC Complete | 07/08/2026 | 07/10/2026 | 07/10/2026 | 07/08/2026 | |||
| 799 | XX | XX | XX | New York | 07/XX/2026 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | JXZLYKMEQ3X-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Requesting exception for a first time homebuyer living rent free
for the last 12 months in the subject. A copy of an exception approval letter is available in the loan file. |
DTI: 19.27% DTI is less than the maximum guideline requirement
of 50.00%. Reserves: The 68 months of available reserves are more than the guideline requirement of 3 months. |
QC Complete | 07/16/2026 | 07/16/2026 | ||||||
| 801 | XX | XX | XX | Tennessee | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | 1LPQPK2SAI5-EDXGB1F3 | Resolved | 3 | R | * Required Documentation Missing (Lvl R) | Provide an updated hazard insurance with mortgage clause
"ISAOA/ATIMA" for the lender "XX". 07/08/2026: Resolved. Received updated HOI |
07/08/2026: Resolved. Received updated HOI | 07/08/2026: Resolved. Received updated HOI | QC Complete | 06/23/2026 | 07/08/2026 | 07/08/2026 | 06/23/2026 | |||
| 801 | XX | XX | XX | Tennessee | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | 1LPQPK2SAI5-UTM9VHCU | Resolved | 3 | R | * Final Application Incomplete (Lvl R) | Provide an updated final 1003 with HOA fee reflecting on the
lender loan information page. 6/30/2026: Resolved: Received updated 1003 |
6/30/2026: Resolved: Received updated 1003 | 6/30/2026: Resolved: Received updated 1003 | QC Complete | 06/23/2026 | 06/30/2026 | 06/30/2026 | 06/23/2026 | |||
| 801 | XX | XX | XX | Tennessee | 05/XX/2026 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 1LPQPK2SAI5-J587LE2V | Waived | 2 | W | * Loan does not conform to program guidelines (Lvl W) | Borrower has not owned the current business that is being used
for qualifying income for the past 2 years. She has been 51% owner since
7/24. A copy of an exception approval letter is available in the loan file. |
FICO: 778 FICO exceeds the guideline requirement of 700. DTI: 23.17% DTI is less than the maximum guideline requirement of 50.00%. LTV: 80.00% LTV equal to the guideline requirement of 80.00%. |
QC Complete | 06/23/2026 | 06/22/2026 | ||||||
| 812 | XX | XX | XX | Georgia | 06/XX/2026 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | VZ5QMEWTRET-O5S9HFJ8 | Resolved | 4 | R | * Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in Regulation Z Higher-Priced Mortgage Loan Test: Allowed 8.535% Charged 8.010% Overby +0.525% This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
This loan is compliant with regulation 1026.35. |
QC Complete | 06/23/2026 | 06/23/2026 | 06/23/2026 | 06/22/2026 |