Exhibit 99.2 Schedule 4
| Marketing ID | Seller | Loan ID | Borrower Last Name | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Resolved/Cured Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 828 | XX | XX | XX | Closed | 2026-06-12 09:38 | 2026-06-25 16:18 | 2026-06-25 16:18 | Resolved | 1 - Information | Compliance | HigherPriced:APR | Federal - Escrow Account Required (First Lien HPML)(06/2013) | Resolved-XX- Due
Diligence Vendor-06/XX/2026 Resolved-Received PCCD, IEAD and first payment letter. - Due Diligence Vendor-06/XX/2026 Ready for Review-Please see this was corrected in PCCD - Due Diligence Vendor-06/XX/2026 Open-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation, if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) Confirm that the Originator is exempt from the HPML escrow rule. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-. - Due Diligence
Vendor-06/25/2026 Resolved-Received PCCD, IEAD and first payment letter. - Due Diligence Vendor-06/25/2026 |
XX | GA | Primary Residence | Refinance | Cash Out - Other | 9716706 | N/A | N/A | |||||
| 838 | XX | XX | XX | Closed | 2026-07-06 11:51 | 2026-07-10 15:30 | 2026-07-10 15:30 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Lender provided
the Homeownership Counseling disclosure - Due Diligence Vendor-07/XX/2026 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/XX/2026 Ready for Review-please see attached - Due Diligence Vendor-07/XX/2026 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the Homeownership Counseling disclosure - Due Diligence Vendor-07/10/2026 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/10/2026 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 10074783 | N/A | N/A | |||||
| 838 | XX | XX | XX | Closed | 2026-07-06 11:30 | 2026-07-10 15:29 | 2026-07-10 15:29 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided
documentation of mortgage payment history - Due Diligence Vendor-07/XX/2026
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/XX/2026 Ready for Review-please see attached - Due Diligence Vendor-07/XX/2026 Open-Housing History Does Not Meet Guideline Requirements Missing evidence of current housing history. The current mortgage does not appear on the credit report and no additional documentation was provided. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
documentation of mortgage payment history - Due Diligence Vendor-07/10/2026
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/10/2026 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 10073426 | N/A | N/A | |||||
| 838 | XX | XX | XX | Closed | 2026-07-06 11:51 | 2026-07-10 15:26 | 2026-07-10 15:26 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent
documentation for borrower(s) provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-please see e consent - Due Diligence Vendor-07/XX/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-07/XX/2026 |
Resolved-E-Consent
documentation for borrower(s) provided. - Due Diligence Vendor-07/10/2026 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 10074784 | N/A | N/A | |||||
| 838 | XX | XX | XX | Closed | 2026-07-08 09:18 | 2026-07-10 15:25 | 2026-07-10 15:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement
for prior loan provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-please see atatched - Due Diligence Vendor-07/XX/2026 Open-Missing payoff statement for prior loan. - Due Diligence Vendor-07/XX/2026 |
Resolved-Payoff Statement
for prior loan provided. - Due Diligence Vendor-07/10/2026 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 10120754 | N/A | N/A | |||||
| 3 | XX | XX | XX | Closed | 2026-07-08 10:57 | 2026-07-08 10:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/08/2026 |
XX | CT | Primary Residence | Purchase | NA | 10123652 | Investor Post-Close | No | ||||||
| 5 | XX | XX | XX | Closed | 2026-06-25 18:29 | 2026-07-08 06:53 | 2026-07-08 06:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Documentation
received, finding resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. The borrower previously refinanced this property with XX in Feb 2026. Refer to the attached VOM for both liens paid at that refinance. - Buyer-07/XX/2026 Open-Missing a verification of mortgage for REO 3c (xx). - Due Diligence Vendor-06/XX/2026 |
Resolved-Documentation
received, finding resolved - Due Diligence Vendor-07/08/2026 |
XX | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 9947322 | N/A | N/A | |||||
| 9 | XX | XX | XX | Closed | 2026-07-10 10:16 | 2026-08-13 15:31 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of
717 is less than Guideline FICO of 720 Approved Underwriting Exception found
on page 1499. - Due Diligence Vendor-07/XX/2026 |
Waived-Audited FICO of 717
is less than Guideline FICO of 720 Approved Underwriting Exception found on
page 1499. - Due Diligence Vendor-07/10/2026 |
XX | Requesting exception for Credit Score of 717 when minimum
required for product is 720. This is 2 of 2 loans for same Borrower. Also
submitting exception request for Loan #216924324 for same reason SLE approved subject to parameters below. Min FICO: 717 Max LTV: 75 Max DTI: n/a Min DSCR: 1.0 Minimum Reserves: $50,000 |
TX | Investment | Refinance | Cash Out - Other | 10177848 | Originator Pre-Close | Yes | |||||
| 14 | XX | XX | XX | Closed | 2026-07-08 12:49 | 2026-08-13 15:34 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of
717 is less than Guideline FICO of 720
Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2026 |
Waived-Audited FICO of 717
is less than Guideline FICO of 720
Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/08/2026 |
XX | Requesting exception for Credit Score of 717 when minimum
required for product is 720. This is 1 of 2 loans for same Borrower. Also
submitting exception request for Loan #216802926 for same reason. SLE approved per below parameters Min FICO: 717 Max LTV: 75 Max DTI: n/a Min DSCR: 1.0 Minimum Reserves: $50,000 |
TX | Investment | Refinance | Cash Out - Other | 10126647 | Originator Pre-Close | Yes | |||||
| 16 | XX | XX | XX | Closed | 2026-06-11 21:04 | 2026-06-11 21:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-06/12/2026 |
XX | TX | Primary Residence | Purchase | NA | 9707106 | Investor Post-Close | No | ||||||
| 17 | XX | XX | XX | Closed | 2026-06-12 18:20 | 2026-06-16 11:51 | 2026-06-16 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Thank you for
providing a complete copy of the Rider. Resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Attached is the full Deed of Trust with Rider. Looks like a scanning issue broke up the pages in the original upload. Thank you - Buyer-06/XX/2026 Open-All pages of the Mortgage/Deed of Trust were not provided. Please provide page 2 of the 1 to 4 Family Rider - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing a complete copy of the Rider. Resolved. - Due Diligence Vendor-06/16/2026 |
XX | MD | Investment | Purchase | NA | 9731462 | N/A | N/A | |||||
| 40 | XX | XX | XX | Closed | 2026-06-23 13:46 | 2026-06-24 10:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary Valuation is within tolerance - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. secondary Valuation is
within tolerance - Due Diligence Vendor-06/24/2026 |
XX | NC | Primary Residence | Purchase | NA | 9897448 | Investor Post-Close | No | ||||||
| 42 | XX | XX | XX | Closed | 2026-07-09 10:49 | 2026-07-17 15:00 | 2026-07-17 15:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. PAD Uploaded. Thank you - Buyer-07/XX/2026 Open-Missing Borrower Identification - Borrower 1. The file is missing a completed Patriot Act Disclosure form located on page 608 or equivalent documentation. Unable to locate additional ID in file. - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/17/2026 |
XX | TX | Investment | Purchase | NA | 10153128 | N/A | N/A | |||||
| 49 | XX | XX | XX | Closed | 2026-07-15 14:06 | 2026-07-23 16:26 | 2026-07-23 16:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Originator DSCR Doc Source | Resolved-The lender
provided the hazard insurance premium, which adjusted the Debt Service
Coverage Ratio (DSCR) calculation down to 0.985. Because lender guidelines
permit a DSCR as low as 0.50%, the file remains compliant. No further
documentation is required, condition resolved. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Regarding the DSCR requirement of minimum DSCR of 1.0 is an outdated guideline; Note dated 5-XX-26 and xx Product Profile in effect shows minimum .50. Please update condition. We will respond separately to the Hazard condition. - Investor-07/XX/2026 Open-Missing Originator DSCR Doc Source. * ADDED 7/XX/2026 - The Updated calculated DSCR, .0985 is < 1.0. Minimum required DSCR is 1.0. Hazard insurance premium is higher than the amount lender used. - Due Diligence Vendor-07/XX/2026 |
Resolved-The lender
provided the hazard insurance premium, which adjusted the Debt Service
Coverage Ratio (DSCR) calculation down to 0.985. Because lender guidelines
permit a DSCR as low as 0.50%, the file remains compliant. No further
documentation is required, condition resolved. - Due Diligence
Vendor-07/23/2026 |
XX | TN | Investment | Refinance | Cash Out - Other | 10270781 | N/A | N/A | |||||
| 49 | XX | XX | XX | Closed | 2026-06-23 14:14 | 2026-07-23 16:19 | 2026-07-23 16:19 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Thank you for
providing the hazard insurance policy. Resolved. - Due Diligence
Vendor-07/XX/2026 Resolved-Thank you for providing the hazard insurance policy. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. HOI Dec Page Uploaded. - Investor-07/XX/2026 Open-Hazard Insurance Policy is Missing - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the hazard insurance policy. Resolved. - Due Diligence
Vendor-07/23/2026 Resolved-Thank you for providing the hazard insurance policy. Resolved. - Due Diligence Vendor-07/15/2026 |
XX | TN | Investment | Refinance | Cash Out - Other | 9898394 | N/A | N/A | |||||
| 49 | XX | XX | XX | Closed | 2026-06-25 14:15 | 2026-07-23 16:19 | 2026-07-23 16:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Thank you for
providing proof the properties are free and clear. Resolved - Due Diligence
Vendor-07/XX/2026 Resolved-Thank you for providing proof the properties are free and clear. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Thank you for providing proof the properties are free and clear. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. (1) XX shows lien free on application, hazard insurance dec page (XX page 5, homeowners insurance policy index) shows only borrower/individual as insured, no lien holder shown. (2) xx shows lien free on application , see explanation from correspondent, see attached dec page lien free. - Investor-07/XX/2026 Open-Missing a verification of mortgage for REOs 3b (XX) and 3c (XX), if properties are owned free and clear, provide verification of free and clear. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing proof the properties are free and clear. Resolved - Due Diligence
Vendor-07/23/2026 Resolved-Thank you for providing proof the properties are free and clear. Resolved. - Due Diligence Vendor-07/15/2026 |
XX | TN | Investment | Refinance | Cash Out - Other | 9942615 | N/A | N/A | |||||
| 50 | XX | XX | XX | Closed | 2026-06-23 13:58 | 2026-07-02 09:23 | 2026-07-02 09:23 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/XX/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Uploaded the Initial and the Final CD. Kindly review. - Investor-07/XX/2026 Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/02/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/02/2026 |
XX | MD | Primary Residence | Purchase | NA | 9898048 | N/A | N/A | |||||
| 50 | XX | XX | XX | Closed | 2026-06-23 14:21 | 2026-07-02 09:22 | 2026-07-02 09:22 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Uploaded the Initial and the Final CD. Kindly review. - Investor-07/XX/2026 Open-The disclosed APR (0.0) is lower than the actual APR (7.246) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) “Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply.” - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/02/2026 Resolved-Resolved - Due Diligence Vendor-07/02/2026 |
XX | MD | Primary Residence | Purchase | NA | 9898531 | N/A | N/A | |||||
| 50 | XX | XX | XX | Closed | 2026-06-23 14:21 | 2026-07-02 09:22 | 2026-07-02 09:22 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Uploaded the Initial and the Final CD. Kindly review. - Investor-07/XX/2026 Open-The disclosed Total of Payments ($0.00) is understated by more than $100 when compared to the actual Total of Payments ($1,182,724.36). The difference is ($1,182,724.36). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) “Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply.” - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/02/2026 Resolved-Resolved - Due Diligence Vendor-07/02/2026 |
XX | MD | Primary Residence | Purchase | NA | 9898530 | N/A | N/A | |||||
| 50 | XX | XX | XX | Closed | 2026-06-23 14:21 | 2026-07-02 09:22 | 2026-07-02 09:22 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Uploaded the Initial and the Final CD. Kindly review. - Seller-07/XX/2026 Open-The disclosed finance charge ($0.00) is ($695,699.36) below the actual finance charge($695,699.36). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) “Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply.” - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Uploaded
the Initial and the Final CD. Kindly review.
- Seller-07/01/2026 |
Resolved-Lender provided
the initial closing disclosure. - Due Diligence Vendor-07/02/2026 Resolved-Resolved - Due Diligence Vendor-07/02/2026 |
XX | MD | Primary Residence | Purchase | NA | 9898529 | N/A | N/A | ||||
| 50 | XX | XX | XX | Closed | 2026-06-23 14:32 | 2026-06-23 14:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/23/2026 |
XX | MD | Primary Residence | Purchase | NA | 9898696 | Investor Post-Close | No | ||||||
| 81 | XX | XX | XX | Closed | 2026-07-09 11:13 | 2026-07-09 11:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/09/2026 |
XX | SD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10154618 | Investor Post-Close | No | ||||||
| 109 | XX | XX | XX | Closed | 2026-07-08 06:49 | 2026-07-13 11:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies - Due Diligence
Vendor-07/08/2026 |
XX | UT | Investment | Refinance | Cash Out - Other | 10116898 | Investor Post-Close | No | ||||||
| 111 | XX | XX | XX | Closed | 2026-07-08 12:20 | 2026-07-17 15:05 | 2026-07-17 15:05 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Borrower 2 photo
ID expiration date is 06-XX-2030 and note is dated 06-XX-2026. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Uploaded PA License - Buyer-07/XX/2026 Open-Borrower 2 photo ID expiration date is 06-XX-2026 and note is dated 06-XX-2026. The file is missing an updated Driver's License or equivalent document that hasn't expired prior to closing. Driver License located on page 857 - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower 2 photo
ID expiration date is 06-XX-2030 and note is dated 06-XX-2026. - Due
Diligence Vendor-07/17/2026 |
XX | PA | Investment | Purchase | NA | 10125851 | N/A | N/A | |||||
| 255 | XX | XX | XX | Closed | 2026-06-25 16:03 | 2026-06-30 15:20 | 2026-06-30 15:20 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Thank you for
providing evidence of Flood Insurance. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. please find flood attached - Buyer-06/XX/2026 Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing evidence of Flood Insurance. Resolved. - Due Diligence Vendor-06/30/2026 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-06/30/2026 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9944769 | N/A | N/A | |||||
| 255 | XX | XX | XX | Closed | 2026-06-23 14:00 | 2026-06-24 11:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are within tolerance. - Due Diligence Vendor-06/24/2026 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9898070 | Investor Post-Close | No | ||||||
| 256 | XX | XX | XX | Closed | 2026-07-07 07:58 | 2026-07-08 18:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/07/2026 |
XX | FL | Primary Residence | Purchase | NA | 10092658 | Investor Post-Close | No | ||||||
| 262 | XX | XX | XX | Closed | 2026-07-14 04:31 | 2026-07-20 09:13 | 2026-07-20 09:13 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Policy is expired | Resolved-Updated Hazard
insurance provided and clears condition
- Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached renewal. - Buyer-07/XX/2026 Open-Hazard insurance policy is expired for the investment property provided on 1003. Policy expires on 06/XX/2026and the note date is 07/XX/2026 - Due Diligence Vendor-07/XX/2026 |
Resolved-Updated Hazard
insurance provided and clears condition
- Due Diligence Vendor-07/20/2026 |
XX | TX | Primary Residence | Purchase | NA | 10223507 | N/A | N/A | |||||
| 268 | XX | XX | XX | Closed | 2026-06-10 12:14 | 2026-08-18 10:56 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/10/2026 |
XX | NY | Primary Residence | Purchase | NA | 9663081 | Investor Post-Close | No | ||||||
| 270 | XX | XX | XX | Closed | 2026-06-10 08:36 | 2026-07-16 16:16 | 2026-07-16 16:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package and proof of delivery. - Buyer-07/XX/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Flood Certification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). XX failed due to addition of $10 Fees ( Flood Fees) on CD issued 05/XX/2026 Pg# 413-417 in Section B. No Valid COC is provided for this additional fees. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9653521 | N/A | N/A | |||||
| 270 | XX | XX | XX | Closed | 2026-06-10 08:36 | 2026-07-16 16:16 | 2026-07-16 16:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package and proof of delivery. - Buyer-07/XX/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Flood Certification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). XX failed due to addition of $10 Fees ( Flood Fees) on CD issued 05/XX/2026 Pg# 413-417 in Section B. No Valid COC is provided for this additional fees. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9653520 | N/A | N/A | |||||
| 270 | XX | XX | XX | Closed | 2026-06-10 09:12 | 2026-06-10 09:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/10/2026 |
XX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9654245 | Investor Post-Close | No | ||||||
| 286 | XX | XX | XX | Closed | 2026-07-08 16:32 | 2026-07-08 16:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/08/2026 |
XX | VA | Primary Residence | Refinance | Cash Out - Other | 10133121 | Investor Post-Close | No | ||||||
| 294 | XX | XX | XX | Closed | 2026-06-12 20:14 | 2026-06-12 20:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-06/13/2026 |
XX | WA | Primary Residence | Purchase | NA | 9732250 | Investor Post-Close | No | ||||||
| 304 | XX | XX | XX | Closed | 2026-07-07 13:54 | 2026-07-17 13:11 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided
DTI exception up to 55% prior to closing.
- Due Diligence Vendor-07/XX/2026 Acknowledged- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached exception approval form with approval parameter of max DTI of 55%. Please provide additional information regarding DTI condition - Buyer-07/XX/2026 Open-Audited DTI of 52.6% exceeds Guideline DTI of 50% Lender has an exception in file is for DTI of 50.226% over 50% DTI Max, but audit DTI is 52.6%. Lender exception not valid. - Due Diligence Vendor-07/XX/2026 |
Waived-Lender provided DTI
exception up to 55% prior to closing.
- Due Diligence Vendor-07/17/2026 |
XX | (Post-Closing) Reserves of $334,204 (88 Months) VS
$32,012 (6 Months subject + 2 months REO) required. FICO of 778 VS Min FICO of 740 0x30 on mortgages or any debt LTV of 70% VS Max of 85% Borrower has an investment property but not using any rental income on it. - Utilizing a 240 month asset based income calculation |
OR | Investment | Purchase | NA | 10102132 | Originator Pre-Close | Yes | |||||
| 304 | XX | XX | XX | Closed | 2026-07-07 14:22 | 2026-07-09 15:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/07/2026 |
XX | OR | Investment | Purchase | NA | 10102819 | Investor Post-Close | No | ||||||
| 310 | XX | XX | XX | Closed | 2026-07-08 08:35 | 2026-07-20 09:27 | 2026-07-20 09:27 | Resolved | 1 - Information | Compliance | XX | HighCost: APR/FEES | Resolved-Compliance
re-evaluated, excluded buydown and Bonafide discount points. Resolved. - Due
Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Compliance response: Based on our review, it appears the investor's HOEPA points and fees calculation may include amounts that should be excluded under the applicable methodology. Specifically, the calculation does not appear to exclude the $5,663.29 in bona fide discount points, which the xx report expressly excludes from the Federal High-Cost Mortgage (HOEPA) points and fees test. Additionally, it appears the calculation includes the $26,124.12 temporary buydown contribution, which was paid by the seller and is not a charge imposed on the borrower. As such, this amount should not be included in the HOEPA points and fees calculation. The xx Federal High-Cost Mortgage analysis included the following fees in the HOEPA points and fees calculation: Administration Fee: $1,250.00 Mortgage Broker Fee: $5,663.29 Processing Fee: $349.00 Discount Points: $6,376.86 The following amounts were expressly excluded: Bona Fide Discount Points: ($5,663.29) Seller-Paid Temporary Buydown Contribution: ($26,124.12) After applying the appropriate exclusions, the resulting HOEPA Points and Fees total is $7,975.86, and the loan passes the Federal High-Cost Mortgage Points and Fees Threshold Test. Accordingly, we respectfully request clarification regarding the methodology used to derive the $39,763.27 points and fees amount. Based on our review, that figure appears to include charges that are excluded from the HOEPA calculation, specifically the $5,663.29 in bona fide discount points and the $26,124.12 seller-paid temporary buydown contribution. Excluding these amounts results in a HOEPA points and fees total of $7,975.86, consistent with the xx analysis. - Investor-07/XX/2026 Open-The loan fees ($39,763.27) exceed the (XX) (Note Amount >=$XX) fee limit, which is 5% of the Total Loan Amount ($XX), the difference is ($12,221.56). (12 CFR 1026.32). Invalid finding fees updated as per documents - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Compliance
re-evaluated, excluded buydown and Bonafide discount points. Resolved. - Due
Diligence Vendor-07/20/2026 |
XX | OR | Primary Residence | Purchase | NA | 10119715 | N/A | N/A | |||||
| 310 | XX | XX | XX | Closed | 2026-07-08 08:35 | 2026-07-20 09:26 | 2026-07-20 09:26 | Resolved | 1 - Information | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Compliance
re-evaluated, excluded buydown and Bonafide discount points. Resolved. - Due
Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Compliance response: Based on our review, it appears the investor's HOEPA points and fees calculation may include amounts that should be excluded under the applicable methodology. Specifically, the calculation does not appear to exclude the $5,663.29 in bona fide discount points, which the xx report expressly excludes from the Federal High-Cost Mortgage (HOEPA) points and fees test. Additionally, it appears the calculation includes the $26,124.12 temporary buydown contribution, which was paid by the seller and is not a charge imposed on the borrower. As such, this amount should not be included in the HOEPA points and fees calculation. The xx Federal High-Cost Mortgage analysis included the following fees in the HOEPA points and fees calculation: Administration Fee: $1,250.00 Mortgage Broker Fee: $5,663.29 Processing Fee: $349.00 Discount Points: $6,376.86 The following amounts were expressly excluded: Bona Fide Discount Points: ($5,663.29) Seller-Paid Temporary Buydown Contribution: ($26,124.12) After applying the appropriate exclusions, the resulting HOEPA Points and Fees total is $7,975.86, and the loan passes the Federal High-Cost Mortgage Points and Fees Threshold Test. Accordingly, we respectfully request clarification regarding the methodology used to derive the $39,763.27 points and fees amount. Based on our review, that figure appears to include charges that are excluded from the HOEPA calculation, specifically the $5,663.29 in bona fide discount points and the $26,124.12 seller-paid temporary buydown contribution. Excluding these amounts results in a HOEPA points and fees total of $7,975.86, consistent with the xx analysis. - Seller-07/XX/2026 Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) Invalid finding fees updated as per documents - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Compliance
response: Based on our review, it appears the investor's HOEPA points and fees calculation may include amounts that should be excluded under the applicable methodology. Specifically, the calculation does not appear to exclude the $5,663.29 in bona fide discount points, which the xx report expressly excludes from the Federal High-Cost Mortgage (HOEPA) points and fees test. Additionally, it appears the calculation includes the $26,124.12 temporary buydown contribution, which was paid by the seller and is not a charge imposed on the borrower. As such, this amount should not be included in the HOEPA points and fees calculation. The xx Federal High-Cost Mortgage analysis included the following fees in the HOEPA points and fees calculation: Administration Fee: $1,250.00 Mortgage Broker Fee: $5,663.29 Processing Fee: $349.00 Discount Points: $6,376.86 The following amounts were expressly excluded: Bona Fide Discount Points: ($5,663.29) Seller-Paid Temporary Buydown Contribution: ($26,124.12) After applying the appropriate exclusions, the resulting HOEPA Points and Fees total is $7,975.86, and the loan passes the Federal High-Cost Mortgage Points and Fees Threshold Test. Accordingly, we respectfully request clarification regarding the methodology used to derive the $39,763.27 points and fees amount. Based on our review, that figure appears to include charges that are excluded from the HOEPA calculation, specifically the $5,663.29 in bona fide discount points and the $26,124.12 seller-paid temporary buydown contribution. Excluding these amounts results in a HOEPA points and fees total of $7,975.86, consistent with the xx analysis. - Seller-07/17/2026 |
Resolved-Compliance
re-evaluated, excluded buydown and Bonafide discount points. Resolved. - Due
Diligence Vendor-07/20/2026 |
XX | OR | Primary Residence | Purchase | NA | 10119714 | N/A | N/A | ||||
| 310 | XX | XX | XX | Closed | 2026-07-08 08:35 | 2026-07-20 09:26 | 2026-07-20 09:26 | Resolved | 1 - Information | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Compliance
re-evaluated, excluded buydown and Bonafide discount points. Resolved. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Compliance response: Based on our review, it appears the investor's HOEPA points and fees calculation may include amounts that should be excluded under the applicable methodology. Specifically, the calculation does not appear to exclude the $5,663.29 in bona fide discount points, which the xx report expressly excludes from the Federal High-Cost Mortgage (HOEPA) points and fees test. Additionally, it appears the calculation includes the $26,124.12 temporary buydown contribution, which was paid by the seller and is not a charge imposed on the borrower. As such, this amount should not be included in the HOEPA points and fees calculation. The xx Federal High-Cost Mortgage analysis included the following fees in the HOEPA points and fees calculation: Administration Fee: $1,250.00 Mortgage Broker Fee: $5,663.29 Processing Fee: $349.00 Discount Points: $6,376.86 The following amounts were expressly excluded: Bona Fide Discount Points: ($5,663.29) Seller-Paid Temporary Buydown Contribution: ($26,124.12) After applying the appropriate exclusions, the resulting HOEPA Points and Fees total is $7,975.86, and the loan passes the Federal High-Cost Mortgage Points and Fees Threshold Test. Accordingly, we respectfully request clarification regarding the methodology used to derive the $39,763.27 points and fees amount. Based on our review, that figure appears to include charges that are excluded from the HOEPA calculation, specifically the $5,663.29 in bona fide discount points and the $26,124.12 seller-paid temporary buydown contribution. Excluding these amounts results in a HOEPA points and fees total of $7,975.86, consistent with the xx analysis. - Investor-07/XX/2026 Open-You submitted a late fee amount of ($190.77) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) Invalid finding - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Compliance
re-evaluated, excluded buydown and Bonafide discount points. Resolved. - Due
Diligence Vendor-07/20/2026 |
XX | OR | Primary Residence | Purchase | NA | 10119713 | N/A | N/A | |||||
| 319 | XX | XX | XX | Closed | 2026-07-16 03:29 | 2026-07-20 08:14 | 2026-07-20 08:14 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice
received. Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached privacy notice. - Buyer-07/XX/2026 Open-Privacy Notice Required - Missing or Incomplete. The privacy notice is for broker XX and not provided for lender XX - Due Diligence Vendor-07/XX/2026 |
Resolved-Privacy Notice
received. Resolved - Due Diligence Vendor-07/20/2026 |
XX | TX | Primary Residence | Purchase | NA | 10281773 | N/A | N/A | |||||
| 320 | XX | XX | XX | Closed | 2026-07-07 13:34 | 2026-07-22 10:10 | 2026-07-22 10:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1
Credit Report received. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-07/XX/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower 1 Credit
Report received. Resolved. - Due Diligence Vendor-07/22/2026 |
XX | FL | Primary Residence | Purchase | NA | 10101767 | N/A | N/A | |||||
| 320 | XX | XX | XX | Closed | 2026-07-07 13:34 | 2026-07-22 10:10 | 2026-07-22 10:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk -
Monthly Debt Obligations taken into consideration meet requirements - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-07/XX/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements File is missing a valid credit report. - Due Diligence Vendor-07/XX/2026 |
Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-07/22/2026 |
XX | FL | Primary Residence | Purchase | NA | 10101768 | N/A | N/A | |||||
| 330 | XX | XX | XX | Closed | 2026-07-09 06:34 | 2026-07-14 14:17 | 2026-07-14 14:17 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo
ID expiration date is 05-XX-2030 and note is dated 06-XX-2026. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached ID documentation. - Buyer-07/XX/2026 Open-Borrower photo ID expiration date is 05-XX-2026 and note is dated 06-XX-2026. - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower photo ID
expiration date is 05-XX-2030 and note is dated 06-XX-2026. - Due Diligence
Vendor-07/14/2026 |
XX | OH | Investment | Purchase | NA | 10147081 | N/A | N/A | |||||
| 334 | XX | XX | XX | Closed | 2026-07-13 09:46 | 2026-07-14 13:51 | 2026-07-14 13:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Entity Documents | Resolved-Formation
documents received - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached business documents. - Buyer-07/XX/2026 Open-Missing Entity Documents. - Due Diligence Vendor-07/XX/2026 |
Resolved-Formation
documents received - Due Diligence
Vendor-07/14/2026 |
XX | PA | Investment | Purchase | NA | 10204691 | N/A | N/A | |||||
| 334 | XX | XX | XX | Closed | 2026-07-07 06:42 | 2026-07-14 13:48 | 2026-07-14 13:48 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1
Executed 4506-T Provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached 4506C. - Buyer-07/XX/2026 Open-Borrower 1 Executed 4506-T Missing Borrower 1 Executed 4506-C is Missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower 1
Executed 4506-T Provided - Due Diligence Vendor-07/14/2026 |
XX | PA | Investment | Purchase | NA | 10090818 | N/A | N/A | |||||
| 336 | XX | XX | XX | Closed | 2026-07-01 15:36 | 2026-07-08 07:02 | 2026-07-08 07:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document received, finding resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose Affidavit - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Audit could not locate the business purpose loan certification signed by borrower(s). - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/08/2026 |
XX | FL | Investment | Purchase | NA | 10030058 | N/A | N/A | |||||
| 341 | XX | XX | XX | Closed | 2026-06-24 13:43 | 2026-07-13 16:31 | 2026-07-13 16:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Thank you for
providing the VOM. Resolved. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached verification of mortgage for XX property - Buyer-07/XX/2026 Counter-Documentation uploaded for REO XX now reflects an open mortgage with XX; however, the mortgage payment history for REO XX was not located in file. Finding remains - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached documentation for REO 3B - Buyer-07/XX/2026 Open-Missing evidence REO # 3b is owned free and clear. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the VOM. Resolved. - Due
Diligence Vendor-07/13/2026 |
XX | AL | Investment | Purchase | NA | 9919700 | N/A | N/A | |||||
| 343 | XX | XX | XX | Closed | 2026-06-10 09:49 | 2026-06-30 17:26 | 2026-06-30 17:26 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Thank you for
providing the borrowers valid ID. Resolved.
- Due Diligence Vendor-06/XX/2026 Resolved-Borrower photo ID expiration date is 05-XX-2034 and note is dated 05-XX-2026. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. id - Buyer-06/XX/2026 Open-Borrower photo ID expiration date is 05-XX-2026 and note is dated 05-XX-2026. Borrower 1 photo ID expiration date is 05-XX-2026 and note is dated 05-XX-2026. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the borrowers valid ID. Resolved.
- Due Diligence Vendor-06/30/2026 Resolved-Borrower photo ID expiration date is 05-XX-2034 and note is dated 05-XX-2026. - Due Diligence Vendor-06/30/2026 |
XX | NY | Primary Residence | Purchase | NA | 9655314 | N/A | N/A | |||||
| 343 | XX | XX | XX | Closed | 2026-06-11 13:20 | 2026-06-19 07:22 | 2026-06-19 07:22 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
initial disclosures which included New York pamphlet “What Mortgage
Applicants Need to Know 'condition resolved - Due Diligence Vendor-06/XX/2026
Resolved-Disclosure provided. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. initial docs - Buyer-06/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
initial disclosures which included New York pamphlet “What Mortgage
Applicants Need to Know 'condition resolved - Due Diligence Vendor-06/19/2026
Resolved-Disclosure provided. - Due Diligence Vendor-06/19/2026 |
XX | NY | Primary Residence | Purchase | NA | 9698781 | N/A | N/A | |||||
| 344 | XX | XX | XX | Closed | 2026-06-18 10:12 | 2026-08-13 11:12 | 2026-08-13 11:12 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Resolved -
Provided COC dated - 05/27 - shows - the discount fee increased to $72 due to
the maximum compensation adjustor change. - Due Diligence Vendor-08/XX/2026
Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see attached 05-27 COC. - Investor-07/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($453.00). The actual total fee amount shows a credit amount of ($0.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). LE dated 05/XX/2026 reflects lender credit of 453 however LE dated 05/XX/2026 does not reflect any lender credit. & COC is missing for the same. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Resolved -
Provided COC dated - 05/27 - shows - the discount fee increased to $72 due to
the maximum compensation adjustor change. - Due Diligence Vendor-08/13/2026
Resolved-Resolved - Due Diligence Vendor-07/22/2026 |
XX | HI | Primary Residence | Purchase | NA | 9819999 | N/A | N/A | |||||
| 344 | XX | XX | XX | Closed | 2026-06-18 10:12 | 2026-08-13 11:11 | 2026-08-13 11:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved -
Provided COC dated - 05/27 - shows - the discount fee increased to $72 due to
the maximum compensation adjustor change. - Due Diligence Vendor-08/XX/2026
Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached 05-27 COC. - Buyer-07/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($453.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). LE dated 05/XX/2026 reflects lender credit of 453 however LE dated 05/XX/2026 does not reflect any lender credit. & COC is missing for the same. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Resolved -
Provided COC dated - 05/27 - shows - the discount fee increased to $72 due to
the maximum compensation adjustor change. - Due Diligence Vendor-08/13/2026
Resolved-Resolved - Due Diligence Vendor-07/22/2026 |
XX | HI | Primary Residence | Purchase | NA | 9819998 | N/A | N/A | |||||
| 347 | XX | XX | XX | Closed | 2026-07-13 09:51 | 2026-07-13 09:51 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/13/2026 |
XX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10204800 | Investor Post-Close | No | ||||||
| 352 | XX | XX | XX | Closed | 2026-06-12 10:21 | 2026-07-09 14:03 | 2026-07-09 14:03 | Resolved | 1 - Information | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Fully executed
Note with correct address received. Resolved. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Please see attached Note correction - Buyer-07/XX/2026 Counter-Received unexecuted Note with corrected address. Fully executed Note with correct address required. Condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached Note. - Buyer-07/XX/2026 Open-Note not showing XX, however Appraisal, insurance, 1008, CDA showing XX in subject property address. - Due Diligence Vendor-06/XX/2026 |
Resolved-Fully executed
Note with correct address received. Resolved. - Due Diligence
Vendor-07/09/2026 |
XX | NY | Primary Residence | Purchase | NA | 9717948 | N/A | N/A | |||||
| 352 | XX | XX | XX | Closed | 2026-06-12 08:40 | 2026-06-19 08:00 | 2026-06-19 08:00 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-What Mortgage
Applicants need to know' pamphlet provided. condition resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Disclosure provided. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-06/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. missing the New York pamphlet. - Due Diligence Vendor-06/XX/2026 |
Resolved-What Mortgage
Applicants need to know' pamphlet provided. condition resolved. - Due Diligence Vendor-06/19/2026 Resolved-Disclosure provided. - Due Diligence Vendor-06/19/2026 |
XX | NY | Primary Residence | Purchase | NA | 9715206 | N/A | N/A | |||||
| 355 | XX | XX | XX | Closed | 2026-06-23 09:34 | 2026-08-18 10:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/23/2026 |
XX | CO | Primary Residence | Purchase | NA | 9889015 | Investor Post-Close | No | ||||||
| 355 | XX | XX | XX | Closed | 2026-06-23 13:24 | 2026-08-13 15:37 | 2026-08-13 15:37 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Resolved -
Provided Asset depletion calculation sheet based on asset statement in
file/worksheet - Due Diligence
Vendor-08/XX/2026 Resolved- - Due Diligence Vendor-07/XX/2026 Ready for Review-Asset depletion calculated based on asset statement in file/worksheet received. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-this loan did not close as an Asset Qualifier loan. It closed as a full doc XX loan using Asset Depletion for income. - Investor-07/XX/2026 Counter-Received income worksheet for asset depletion. Missing borrower bank statement showing funds were seasoned for a minimum of six months. Condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. income depletion - Buyer-07/XX/2026 Open-As per loan approval and 1008 other income of B2 $7,500 reflects and loan file is missing supporting document to verify the income. - Due Diligence Vendor-06/XX/2026 |
Resolved-Resolved -
Provided Asset depletion calculation sheet based on asset statement in
file/worksheet - Due Diligence
Vendor-08/13/2026 |
XX | CO | Primary Residence | Purchase | NA | 9896789 | N/A | N/A | |||||
| 355 | XX | XX | XX | Closed | 2026-06-23 13:23 | 2026-07-09 14:15 | 2026-07-09 14:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Asset depletion
calculated based on asset statement in file/worksheet received. Resolved. -
Due Diligence Vendor-07/XX/2026 Ready for Review-this loan did not close as an Asset Qualifier loan. It closed as a full doc XX loan using Asset Depletion for income. - Buyer-07/XX/2026 Counter-Received income worksheet for asset depletion. Missing borrower bank statement showing funds were seasoned for a minimum of six months. Condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. income worksheet to show depletion - Seller-07/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements As per loan approval and 1008 other income of B2 $7,500 reflects and loan file is missing supporting document to verify the income. - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Document
Uploaded. income worksheet to show depletion - Seller-07/07/2026 |
Resolved-Asset depletion
calculated based on asset statement in file/worksheet received. Resolved. -
Due Diligence Vendor-07/09/2026 |
XX | CO | Primary Residence | Purchase | NA | 9896765 | N/A | N/A | ||||
| 360 | XX | XX | XX | Closed | 2026-06-17 17:28 | 2026-07-21 11:50 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Ready for Review-PCCD not
found. Please re-upload and attach to this condition for review. - Due
Diligence Vendor-07/XX/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $20341.52 is equal to or greater than Total Required Reserve Amount of $14195.22 - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. PCCD - Buyer-07/XX/2026 Counter-PCCD not found. Please re-upload and attach to this condition for review. Thank you! - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see uploaded PCCD dated 7.8.26 showing $8000 seller credit - Buyer-07/XX/2026 Counter-Concur that $8,000 seller assist was noted on the purchase contract, but this credit was not included on the final CD. Condition stands - Due Diligence Vendor-07/XX/2026 Ready for Review- Per our UW management - "Can you please confirm you are also including the $8,000 seller assisted listed on the purchase contract, page 12 of 14. I am still showing there are enough funds and not sure what you are not seeing that we are. thank you". Please review this comment from our UW and advise. Thanks. - Investor-07/XX/2026 Counter-Audit condition clearing QC disagrees with client statemen. Final cash to close of $61,840.73 is net of the gift of $8,000. It appears the gift is being added twice to the available assets. Finding stands - Due Diligence Vendor-07/XX/2026 Ready for Review-Per our UW management - "The gift was given at closing. We have a $8,000 gift plus $74,182.25 of their own funds and this is after backing out the $1,500 giving them a total of $82,182. Borrower needs $64,000 for closing plus $15,195.22 in reserves totaling $79,195.22. we have plenty of assets for closing and reserves.". Please clear this condition. Thanks. - Buyer-07/XX/2026 Counter-The borrowers checking account balance $75,682.25 - $1,500 EMD not verified = $74,182.25 remaining - $ 61,840.73 cash to close =$ 12,341.52. available reserves. Required reserves $15,195.22. Gift is already on the CD. Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Per our underwriter - "Borrower has $74,182 in their checking, $8k minus the $1500 EMD which gives them $82,182 and enough for closing costs and reserves.". Please clear this condition. Thanks. - Investor-06/XX/2026 Open-Total Qualified Assets for Reserves Post-Close of $12341.52 is less than Total Required Reserve Amount of $14195.22 Assets verified $75,682 - cash to close $63,340.73 (61,840.73 + $1500 unverified EMD, also includes $8K gift given at closing) - 6 months reserves $14,195.22 = short $1853.70. - Due Diligence Vendor-06/XX/2026 |
Resolved-Total Qualified
Assets for Reserves Post-Close of $20341.52 is equal to or greater than Total
Required Reserve Amount of $14195.22 - Due Diligence Vendor-07/21/2026 |
XX | AL | Investment | Purchase | NA | 9802114 | N/A | N/A | ||||||
| 360 | XX | XX | XX | Closed | 2026-06-17 17:32 | 2026-07-21 11:50 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Counter-PCCD not found.
Please re-upload and attach to this condition for review. - Due Diligence
Vendor-07/XX/2026 Resolved-PCCD received verifying seller concessions of $8,000. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. pccd - Seller-07/XX/2026 Ready for Review-Please see uploaded PCCD dated 7.8.26 showing $8000 seller credit - Buyer-07/XX/2026 Counter-Concur that $8,000 seller assist was noted on the purchase contract, but this credit was not included on the final CD. Condition stands - Due Diligence Vendor-07/XX/2026 Ready for Review- Per our UW management - "Can you please confirm you are also including the $8,000 seller assisted listed on the purchase contract, page 12 of 14. I am still showing there are enough funds and not sure what you are not seeing that we are. thank you". Please review this comment from our UW and advise. Thanks. - Buyer-07/XX/2026 Counter-Audit condition clearing QC disagrees with client statemen. Final cash to close of $61,840.73 is net of the gift of $8,000. It appears the gift is being added twice to the available assets. Finding stands - Due Diligence Vendor-07/XX/2026 Ready for Review-Per our UW management - "The gift was given at closing. We have a $8,000 gift plus $74,182.25 of their own funds and this is after backing out the $1,500 giving them a total of $82,182. Borrower needs $64,000 for closing plus $15,195.22 in reserves totaling $79,195.22. we have plenty of assets for closing and reserves.". Please clear this condition. Thanks. - Buyer-07/XX/2026 Counter-The borrowers checking account balance $75,682.25 - $1,500 EMD not verified = $74,182.25 remaining - $ 61,840.73 cash to close =$ 12,341.52. available reserves. Required reserves $15,195.22. Gift is already on the CD. Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Per our underwriter - "Borrower has $74,182 in their checking, $8k minus the $1500 EMD which gives them $82,182 and enough for closing costs and reserves.". Please clear this condition. Thanks. - Investor-06/XX/2026 Open-Audited Reserves of 5.22 month(s) are less than Guideline Required Reserves of 6 month(s) Assets verified $75,682 - cash to close $63,340.73 (61,840.73 + $1500 unverified EMD, also includes $8K gift given at closing) - 6 months reserves $14,195.22 = short $1853.70. - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Document
Uploaded. pccd - Seller-07/21/2026 |
Resolved-PCCD received
verifying seller concessions of $8,000. - Due Diligence Vendor-07/21/2026 |
XX | AL | Investment | Purchase | NA | 9802148 | N/A | N/A | |||||
| 378 | XX | XX | XX | Closed | 2026-07-08 14:00 | 2026-07-13 16:57 | 2026-07-13 16:57 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for
providing the BPA. Resolved. - Due
Diligence Vendor-07/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Audit could not locate the business purpose loan certification signed by borrower(s). - Due Diligence Vendor-07/XX/2026 |
Resolved-Thank you for
providing the BPA. Resolved. - Due
Diligence Vendor-07/13/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/13/2026 |
XX | FL | Investment | Refinance | Cash Out - Other | 10129248 | N/A | N/A | |||||
| 381 | XX | XX | XX | Closed | 2026-07-08 10:25 | 2026-07-16 13:35 | 2026-07-16 13:35 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided
the property tax statement and a lox for the hazard insurance. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached LOE from the borrower and tax bill. - Buyer-07/XX/2026 Open-Property 1. xx there is no tax and insurance document in the loan file - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the property tax statement and a lox for the hazard insurance. - Due
Diligence Vendor-07/16/2026 |
XX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 10122597 | N/A | N/A | |||||
| 395 | XX | XX | XX | Closed | 2026-06-23 09:00 | 2026-07-02 09:33 | 2026-07-02 09:33 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender | Resolved-Evidence
Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and
Lender provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached signed by lender. - Buyer-06/XX/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by Lender. - Due Diligence Vendor-06/XX/2026 |
Resolved-Evidence
Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and
Lender provided. - Due Diligence Vendor-07/02/2026 |
XX | TX | Primary Residence | Refinance | Cash Out - Other | 9887413 | N/A | N/A | |||||
| 399 | XX | XX | XX | Closed | 2026-07-07 16:01 | 2026-07-07 16:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. . - Due Diligence
Vendor-07/07/2026 |
XX | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 10104624 | Investor Post-Close | No | ||||||
| 403 | XX | XX | XX | Closed | 2026-06-23 10:38 | 2026-06-30 15:54 | 2026-06-30 15:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Thank you for
providing information on the borrower's previous mortgage. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/XX/2026 Ready for Review-can you please clarify what needs to be addressed for the ATR condition? no specifics were provided. Borrower had XX on credit with 0x30. this was paid off in March. VOM in file for new loan shows no lates. CD provided to show XX was paid off. - Buyer-06/XX/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing information on the borrower's previous mortgage. Resolved. - Due Diligence Vendor-06/30/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/30/2026 |
XX | AZ | Primary Residence | Refinance | Cash Out - Other | 9891679 | N/A | N/A | |||||
| 403 | XX | XX | XX | Closed | 2026-06-23 09:13 | 2026-06-30 15:54 | 2026-06-30 15:54 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Thank you for
providing information on the borrower's previous mortgage. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/XX/2026 Ready for Review-can you please clarify what needs to be addressed for the ATR condition? no specifics were provided. Borrower had XX on credit with 0x30. this was paid off in March. VOM in file for new loan shows no lates. CD provided to show XX was paid off. - Buyer-06/XX/2026 Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing information on the borrower's previous mortgage. Resolved. - Due Diligence Vendor-06/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/30/2026 |
XX | AZ | Primary Residence | Refinance | Cash Out - Other | 9888090 | N/A | N/A | |||||
| 403 | XX | XX | XX | Closed | 2026-06-24 07:57 | 2026-06-24 07:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/24/2026 |
XX | AZ | Primary Residence | Refinance | Cash Out - Other | 9910925 | Investor Post-Close | No | ||||||
| 407 | XX | XX | XX | Closed | 2026-07-10 07:52 | 2026-07-10 07:52 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is
ineligible due to Exception Type: LTV/CLTV Exception is for not lowering the LTV by 5% for Non Occupant CoBorrower transaction.. Exception Type: LTV/CLTV Details: Exception is for not lowering the LTV by 5% for Non Occupant CoBorrower transaction - Due Diligence Vendor-07/XX/2026 |
Waived-Property type is
ineligible due to Exception Type: LTV/CLTV Exception is for not lowering the LTV by 5% for Non Occupant CoBorrower transaction.. Exception Type: LTV/CLTV Details: Exception is for not lowering the LTV by 5% for Non Occupant CoBorrower transaction - Due Diligence Vendor-07/10/2026 |
XX | Minimum FICO: 686 Maximum DTI: 20% Maximum LTV: 80% Minimum Reserves: $40,000 |
NY | Primary Residence | Purchase | NA | 10172069 | Originator Pre-Close | Yes | |||||
| 417 | XX | XX | XX | Closed | 2026-06-10 13:14 | 2026-08-18 10:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/10/2026 |
XX | PA | Primary Residence | Purchase | NA | 9665617 | Investor Post-Close | No | ||||||
| 419 | XX | XX | XX | Closed | 2026-06-26 05:23 | 2026-07-08 08:51 | 2026-07-08 08:51 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo
ID expiration date is 04-XX-2029 and note is dated 06-XX-2026. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Can you please clarify why the uploaded photo ID"s are not sufficient since they were borrowers unexpired government-issued photo ID to verify their identity. - Buyer-07/XX/2026 Counter-Provide copy of unexpired Driver's license. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded photo ID for both borrowers with expiration date of 4/9/29 - Investor-07/XX/2026 Open-Borrower photo ID expiration date is 06-XX-2026 and note is dated 06-XX-2026. Borrower photo ID expiration date is 06-XX-2026 and note is dated 06-XX-2026 - Due Diligence Vendor-06/XX/2026 |
Resolved-Borrower photo ID
expiration date is 04-XX-2029 and note is dated 06-XX-2026. - Due Diligence
Vendor-07/08/2026 |
XX | TX | Primary Residence | Purchase | NA | 9952298 | N/A | N/A | |||||
| 419 | XX | XX | XX | Closed | 2026-06-26 05:34 | 2026-07-08 08:51 | 2026-07-08 08:51 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Borrower 2 photo
ID expiration date is 04-XX-2029 and note is dated 06-XX-2026. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Can you please clarify why the uploaded photo ID"s are not sufficient since they were borrowers unexpired government-issued photo ID to verify their identity. - Buyer-07/XX/2026 Counter-Provide copy of unexpired Driver's license. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded photo ID for both borrowers with expiration date of 4/9/29 - Buyer-07/XX/2026 Open-Borrower 2 photo ID expiration date is 06-XX-2026 and note is dated 06-XX-2026. - Due Diligence Vendor-06/XX/2026 |
Resolved-Borrower 2 photo
ID expiration date is 04-XX-2029 and note is dated 06-XX-2026. - Due
Diligence Vendor-07/08/2026 |
XX | TX | Primary Residence | Purchase | NA | 9952430 | N/A | N/A | |||||
| 423 | XX | XX | XX | Closed | 2026-06-23 06:32 | 2026-07-02 09:30 | 2026-07-02 09:30 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo
ID expiration date is 09-XX-2033 and note is dated 06-XX-2026. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded coy of the borrower valid passport - Buyer-07/XX/2026 Open-Borrower photo ID expiration date is 06-XX-2026 and note is dated 06-XX-2026. - Due Diligence Vendor-06/XX/2026 |
Resolved-Borrower photo ID
expiration date is 09-XX-2033 and note is dated 06-XX-2026. - Due Diligence
Vendor-07/02/2026 |
XX | GA | Primary Residence | Purchase | NA | 9884956 | N/A | N/A | |||||
| 423 | XX | XX | XX | Closed | 2026-06-25 09:07 | 2026-06-25 09:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-06/25/2026 |
XX | GA | Primary Residence | Purchase | NA | 9935109 | Investor Post-Close | No | ||||||
| 428 | XX | XX | XX | Closed | 2026-06-23 13:34 | 2026-08-13 11:08 | 2026-07-02 09:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-lender provided
missing bank statement - Due Diligence Vendor-07/XX/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded December bank statement - Buyer-07/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Bank Statement is Missing for the month for Dec 2025 - Due Diligence Vendor-06/XX/2026 |
Resolved-lender provided
missing bank statement - Due Diligence Vendor-07/02/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/02/2026 |
XX | SC | Primary Residence | Refinance | Cash Out - Other | 9897003 | N/A | N/A | |||||
| 428 | XX | XX | XX | Closed | 2026-06-23 13:37 | 2026-07-02 09:27 | 2026-07-02 09:27 | Resolved | 1 - Information | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-lender provided
missing bank statement - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded December bank statement - Investor-07/XX/2026 Open-Bank Statement is Missing for the month for Dec 2025 - Due Diligence Vendor-06/XX/2026 |
Resolved-lender provided
missing bank statement - Due Diligence Vendor-07/02/2026 |
XX | SC | Primary Residence | Refinance | Cash Out - Other | 9897145 | N/A | N/A | |||||
| 428 | XX | XX | XX | Closed | 2026-06-23 13:14 | 2026-06-25 14:28 | 2026-06-25 14:28 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient
E-Consent documentation for appraisal delivery provided. condition resolved.
- Due Diligence Vendor-06/XX/2026 Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please see uploaded econsent - Investor-06/XX/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal report and appraisal report sent to borrower is same 04/XX/2026. - Due Diligence Vendor-06/XX/2026 |
Resolved-Sufficient
E-Consent documentation for appraisal delivery provided. condition resolved.
- Due Diligence Vendor-06/25/2026 Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-06/25/2026 |
XX | SC | Primary Residence | Refinance | Cash Out - Other | 9896352 | N/A | N/A | |||||
| 435 | XX | XX | XX | Closed | 2026-07-08 10:34 | 2026-07-16 15:56 | 2026-07-16 15:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-lender provided
the property taxes for REO 3b - Due Diligence Vendor-07/XX/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/XX/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-07/XX/2026 |
Resolved-lender provided
the property taxes for REO XX - Due Diligence Vendor-07/16/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/16/2026 |
XX | LA | Primary Residence | Refinance | Cash Out - Other | 10123260 | N/A | N/A | |||||
| 435 | XX | XX | XX | Closed | 2026-07-10 16:32 | 2026-07-16 15:54 | 2026-07-16 15:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Lender provided
the property taxes for REO 3b. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find estimated taxes listed for Plat listed in 3b of final application. Property description provides Plat# - Buyer-07/XX/2026 Open-Evidence of property taxes for property 3b on the final application not provided. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the property taxes for REO XX. - Due Diligence Vendor-07/16/2026 |
XX | LA | Primary Residence | Refinance | Cash Out - Other | 10187843 | N/A | N/A | |||||
| 435 | XX | XX | XX | Closed | 2026-07-10 17:01 | 2026-07-13 09:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-07/13/2026 |
XX | LA | Primary Residence | Refinance | Cash Out - Other | 10188263 | Investor Post-Close | No | ||||||
| 442 | XX | XX | XX | Closed | 2026-06-23 08:06 | 2026-08-13 11:01 | 2026-07-01 16:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk -
Monthly Debt Obligations taken into consideration meet requirements - Due
Diligence Vendor-07/XX/2026 Ready for Review-Please find uploaded joint credit report - Investor-07/XX/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Borrower 1 & 2 Credit Report is Missing. - Due Diligence Vendor-06/XX/2026 |
Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-07/01/2026 |
XX | MA | Primary Residence | Purchase | NA | 9886382 | N/A | N/A | |||||
| 442 | XX | XX | XX | Closed | 2026-06-23 08:06 | 2026-08-13 11:01 | 2026-07-01 16:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1
Credit Report is not missing. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached joint credit report - Investor-07/XX/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/XX/2026 |
Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-07/01/2026 |
XX | MA | Primary Residence | Purchase | NA | 9886379 | N/A | N/A | |||||
| 442 | XX | XX | XX | Closed | 2026-06-23 08:06 | 2026-08-13 11:01 | 2026-07-01 16:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2
Credit Report is not missing. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached joint credit report - Investor-07/XX/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-06/XX/2026 |
Resolved-Borrower 2 Credit
Report is not missing. - Due Diligence Vendor-07/01/2026 |
XX | MA | Primary Residence | Purchase | NA | 9886380 | N/A | N/A | |||||
| 442 | XX | XX | XX | Closed | 2026-06-23 08:24 | 2026-08-13 11:01 | 2026-07-01 16:22 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Credit report uploaded - Investor-07/XX/2026 Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-06/XX/2026 |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-07/01/2026 |
XX | MA | Primary Residence | Purchase | NA | 9886686 | N/A | N/A | |||||
| 460 | XX | XX | XX | Closed | 2026-06-23 21:08 | 2026-06-30 17:17 | 2026-06-30 17:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Thank you for
providing the Operating Agreement. Resolved.
- Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find attached - Buyer-06/XX/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the Operating Agreement. Resolved.
- Due Diligence Vendor-06/30/2026 |
XX | MI | Investment | Purchase | NA | 9905050 | N/A | N/A | |||||
| 460 | XX | XX | XX | Closed | 2026-06-25 12:50 | 2026-06-30 17:16 | 2026-06-30 17:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Thank you for
providing the TIN. Resolved. - Due
Diligence Vendor-06/XX/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. please find attached - Buyer-06/XX/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the TIN. Resolved. - Due
Diligence Vendor-06/30/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-06/30/2026 |
XX | MI | Investment | Purchase | NA | 9940802 | N/A | N/A | |||||
| 460 | XX | XX | XX | Closed | 2026-06-23 11:36 | 2026-06-30 17:15 | 2026-06-30 17:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Thank you for
providing the Evidence of Good Standing. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find attached - Investor-06/XX/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the Evidence of Good Standing. Resolved. - Due Diligence Vendor-06/30/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-06/30/2026 |
XX | MI | Investment | Purchase | NA | 9893001 | N/A | N/A | |||||
| 461 | XX | XX | XX | Closed | 2026-06-25 13:19 | 2026-07-01 14:31 | 2026-07-01 14:31 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. initial docs - Buyer-07/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing “What Mortgage Applicants Need to Know” Pamphlet - Due Diligence Vendor-06/XX/2026 |
Resolved-Disclosure
provided. - Due Diligence Vendor-07/01/2026 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 9941426 | N/A | N/A | |||||
| 475 | XX | XX | XX | Closed | 2026-06-29 15:49 | 2026-07-01 16:04 | 2026-07-01 16:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing Entity Documents | Resolved-Lender provided
missing documentation. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached EIN letter. - Buyer-07/XX/2026 Open-Missing Entity Documents. - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
missing documentation. - Due Diligence Vendor-07/01/2026 |
XX | FL | Investment | Purchase | NA | 9987305 | N/A | N/A | |||||
| 475 | XX | XX | XX | Closed | 2026-06-24 07:43 | 2026-07-01 16:03 | 2026-07-01 16:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached good standing cert. - Investor-07/XX/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-06/XX/2026 |
Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-07/01/2026 |
XX | FL | Investment | Purchase | NA | 9910743 | N/A | N/A | |||||
| 475 | XX | XX | XX | Closed | 2026-06-29 15:49 | 2026-07-01 16:03 | 2026-07-01 16:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity
Tax ID provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached operating agreement. - Seller-07/XX/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Document
Uploaded. Please see attached operating agreement. - Seller-07/01/2026 |
Resolved-Borrowing Entity
Tax ID provided - Due Diligence Vendor-07/01/2026 |
XX | FL | Investment | Purchase | NA | 9987291 | N/A | N/A | ||||
| 481 | XX | XX | XX | Closed | 2026-07-13 12:07 | 2026-07-14 14:19 | 2026-07-14 14:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/14/2026 |
XX | VA | Investment | Purchase | NA | 10209552 | N/A | N/A | |||||
| 493 | XX | XX | XX | Closed | 2026-07-07 11:59 | 2026-07-07 11:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-07/07/2026 |
XX | MS | Primary Residence | Refinance | Cash Out - Other | 10099587 | Originator Pre-Close | Yes | ||||||
| 495 | XX | XX | XX | Closed | 2026-06-29 09:30 | 2026-06-29 09:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-06/29/2026 |
XX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 9979003 | Investor Post-Close | No | ||||||
| 495 | XX | XX | XX | Closed | 2026-06-25 08:41 | 2026-06-25 08:41 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-06/XX/2026 | Acknowledged-Privacy Notice
Required - Missing or Incomplete. - Due Diligence Vendor-06/25/2026 |
XX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 9934584 | Investor Post-Close | No | ||||||
| 499 | XX | XX | XX | Closed | 2026-07-13 10:37 | 2026-07-15 14:30 | 2026-07-15 14:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached business purpose affidavit - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/15/2026 |
XX | MD | Investment | Purchase | NA | 10206970 | N/A | N/A | |||||
| 505 | XX | XX | XX | Closed | 2026-07-13 16:52 | 2026-07-13 16:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-07/13/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 10216364 | Investor Post-Close | No | ||||||
| 507 | XX | XX | XX | Closed | 2026-06-10 14:45 | 2026-06-10 14:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/10/2026 |
XX | NC | Second Home | Refinance | Cash Out - Other | 9668421 | Investor Post-Close | No | ||||||
| 517 | XX | XX | XX | Closed | 2026-06-29 15:23 | 2026-06-29 15:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. . - Due Diligence
Vendor-06/29/2026 |
XX | NY | Primary Residence | Purchase | NA | 9986878 | Investor Post-Close | No | ||||||
| 522 | XX | XX | XX | Closed | 2026-06-24 08:54 | 2026-06-30 17:19 | 2026-06-30 17:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Thank you for
providing the borrowers Drivers License. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. ID - Buyer-06/XX/2026 Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification not provided - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the borrowers Drivers License. Resolved. - Due Diligence Vendor-06/30/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-06/30/2026 |
XX | CA | Investment | Purchase | NA | 9911995 | N/A | N/A | |||||
| 527 | XX | XX | XX | Closed | 2026-06-23 12:16 | 2026-07-16 13:20 | 2026-07-16 13:20 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided
required PCCD, refund and disclosure tracker showing proof of delivery. - Due
Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached audit trail showing the PCCD was sent to the borrower. - Buyer-07/XX/2026 Counter-Received comment advising, LOE and pccd automatically sent electronically. Provide E Disclosure tracking. Not resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-LOE and pccd automatically sent electronically upon issue of the PCCD. - Investor-07/XX/2026 Counter-Thank you for providing proof of cure. However, missing proof of delivery of LOE and PCCD to the borrower. Not resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Investor-07/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
required PCCD, refund and disclosure tracker showing proof of delivery. - Due
Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | TN | Primary Residence | Purchase | NA | 9894075 | N/A | N/A | |||||
| 527 | XX | XX | XX | Closed | 2026-06-23 12:16 | 2026-07-16 13:19 | 2026-07-16 13:19 | Resolved | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided
required PCCD, refund and disclosure tracker showing proof of delivery. - Due
Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached audit trail showing the PCCD was sent to the borrower. - Investor-07/XX/2026 Counter-Received comment advising, LOE and pccd automatically sent electronically. Provide E Disclosure tracking. Not resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-LOE and pccd automatically sent electronically upon issue of the PCCD. - Seller-07/XX/2026 Counter-Thank you for providing proof of cure. However, missing proof of delivery of LOE and PCCD to the borrower. Not resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-07/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-LOE and
pccd automatically sent electronically upon issue of the PCCD. -
Seller-07/14/2026 |
Resolved-Lender provided
required PCCD, refund and disclosure tracker showing proof of delivery. - Due
Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | TN | Primary Residence | Purchase | NA | 9894074 | N/A | N/A | ||||
| 537 | XX | XX | XX | Closed | 2026-06-15 13:48 | 2026-07-02 08:35 | 2026-07-02 08:35 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-07/XX/2026 Ready for Review-Please escalate this for further review as per e-mail received Tuesday, March 24, 2026, 2:15 PM, XX states "We'll follow what XX determines is acceptable coverage based on this update". - Buyer-07/XX/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX - Due Diligence Vendor-06/XX/2026 |
Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-07/02/2026 |
XX | NY | Primary Residence | Purchase | NA | 9752012 | N/A | N/A | |||||
| 537 | XX | XX | XX | Closed | 2026-06-15 13:22 | 2026-06-22 12:46 | 2026-06-22 12:46 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find NY What Mortgage Applicants Need to Know document - Buyer-06/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-06/XX/2026 |
Resolved-Disclosure
provided. - Due Diligence Vendor-06/22/2026 |
XX | NY | Primary Residence | Purchase | NA | 9751438 | N/A | N/A | |||||
| 537 | XX | XX | XX | Closed | 2026-06-15 14:20 | 2026-06-15 14:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/15/2026 |
XX | NY | Primary Residence | Purchase | NA | 9752804 | Investor Post-Close | No | ||||||
| 542 | XX | XX | XX | Closed | 2026-07-09 04:23 | 2026-07-20 09:37 | 2026-07-20 09:37 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received
disclosure tracking and ARM disclosure dated 06/XX/2026. LE 05/XX/206
reflects fixed rate. COC reflecting
program change to ARM dated 06/XX/2026 in file. Resolved. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached disclosed tracking as at time of application product was listed as Fixed Rate. Later re-disclosed as Arm - Buyer-07/XX/2026 Counter-Application date is 5/XX/26, however the ARM disclosure was provided on 6/4/26 which is more than 3 business days from the application date. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached Arm Disclosure - Buyer-07/XX/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Application date is 5/XX/2026 and Disclosure date is 06/XX/2026. - Due Diligence Vendor-07/XX/2026 |
Resolved-Received
disclosure tracking and ARM disclosure dated 06/04/2026. LE 05/29/206
reflects fixed rate. COC reflecting
program change to ARM dated 06/02/2026 in file. Resolved. - Due Diligence
Vendor-07/20/2026 |
XX | CO | Primary Residence | Purchase | NA | 10143107 | N/A | N/A | |||||
| 542 | XX | XX | XX | Closed | 2026-07-09 13:14 | 2026-07-09 13:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/09/2026 |
XX | CO | Primary Residence | Purchase | NA | 10157476 | Investor Post-Close | No | ||||||
| 560 | XX | XX | XX | Closed | 2026-06-23 14:53 | 2026-07-08 08:44 | 2026-07-08 08:44 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received final
CD's for REOs 3b,3c,3e and 3d listed in final application. Resolved. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. REO CDs - Investor-07/XX/2026 Open-Missing Supporting documents to verify recently refinanced Monthly Mortgage payments for REO. 3b,3c,3e and 3d listed in final application - Due Diligence Vendor-06/XX/2026 |
Resolved-Received final
CD's for REOs 3b,3c,3e and 3d listed in final application. Resolved. - Due
Diligence Vendor-07/08/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9899188 | N/A | N/A | |||||
| 560 | XX | XX | XX | Closed | 2026-06-23 14:42 | 2026-07-08 08:39 | 2026-07-08 08:37 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk -
Current Income or Current Assets were considered - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. CDs from REOs - Buyer-07/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Supporting documents to verify recently refinanced Monthly Mortgage payments for REO. 3b,3c,3e and 3d listed in final application. - Due Diligence Vendor-06/XX/2026 |
Resolved-ATR Risk - Current
Income or Current Assets were considered - Due Diligence Vendor-07/08/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9898981 | N/A | N/A | |||||
| 560 | XX | XX | XX | Closed | 2026-06-26 14:17 | 2026-07-08 08:37 | 2026-07-08 08:37 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset
Qualification Meets Guideline Requirements - Due Diligence Vendor-07/XX/2026
Ready for Review-Document Uploaded. REO CDs - Investor-07/XX/2026 Open-Asset Qualification Does Not Meet Guideline Requirements The file is missing final CD or Settlement Statement for the refinance of REO 3b on the final application. - Due Diligence Vendor-06/XX/2026 |
Resolved-Asset
Qualification Meets Guideline Requirements - Due Diligence
Vendor-07/08/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9962900 | N/A | N/A | |||||
| 560 | XX | XX | XX | Closed | 2026-06-23 07:21 | 2026-07-01 14:29 | 2026-07-01 14:29 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. initial docs - Buyer-07/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-06/XX/2026 |
Resolved-Disclosure
provided. - Due Diligence Vendor-07/01/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9885731 | N/A | N/A | |||||
| 563 | XX | XX | XX | Closed | 2026-07-13 01:40 | 2026-08-13 10:39 | 2026-07-21 10:16 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-XX-6 Insurance
Policy provided. condition resolved. -
Due Diligence Vendor-07/XX/2026 Resolved-XX-6 Insurance Policy is fully present - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached, master policy has walls in coverage. - Buyer-07/XX/2026 Open-Missing HO-6 Insurance Policy HO6 Insurance Policy is Missing - Due Diligence Vendor-07/XX/2026 |
Resolved-HO-6 Insurance
Policy provided. condition resolved. -
Due Diligence Vendor-07/21/2026 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-07/21/2026 |
XX | NY | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 10195997 | N/A | N/A | |||||
| 564 | XX | XX | XX | Closed | 2026-08-13 13:15 | 2026-08-13 13:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. S&P
RA Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/13/2026 |
XX | FL | Investment | Purchase | NA | 10794265 | Investor Post-Close | No | ||||||
| 565 | XX | XX | XX | Closed | 2026-07-07 08:06 | 2026-07-07 08:41 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/07/2026 |
XX | GA | Second Home | Purchase | NA | 10092816 | Investor Post-Close | No | ||||||
| 573 | XX | XX | XX | Closed | 2026-06-26 05:16 | 2026-07-10 15:04 | 2026-07-10 15:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Thank you for
providing the borrowers LOE stating they do not carry a separate insurance
policy for the free and clear condo. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded LOE regarding no insurance for departing residence - Buyer-07/XX/2026 Open-Missing Evidence of Insurance for property 3a on final application. Departure current residence does not have HOI document in file. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the borrowers LOE stating they do not carry a separate insurance
policy for the free and clear condo. Resolved. - Due Diligence Vendor-07/10/2026 |
XX | CA | Primary Residence | Purchase | NA | 9952195 | N/A | N/A | |||||
| 573 | XX | XX | XX | Closed | 2026-06-26 05:07 | 2026-06-26 05:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding will be
rated a B for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/26/2026 |
XX | CA | Primary Residence | Purchase | NA | 9952058 | Investor Post-Close | No | ||||||
| 577 | XX | XX | XX | Closed | 2026-07-16 10:39 | 2026-07-16 10:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/16/2026 |
XX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 10292072 | Investor Post-Close | No | ||||||
| 588 | XX | XX | XX | Closed | 2026-07-09 20:08 | 2026-07-21 09:56 | 2026-07-21 09:56 | Resolved | 1 - Information | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Lender provided
letter explaining no Hazard insurance on investment property with proof of
property taxes. condition resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached documents. - Buyer-07/XX/2026 Open-Tax or Hazard Insurance documents are missing for investment income - Due Diligence Vendor-07/XX/2026 Open-Income 4 Months Income Verified is Missing Investment property Income 4 Tax or Hazard Insurance document are missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
letter explaining no Hazard insurance on investment property with proof of
property taxes. condition resolved. - Due Diligence Vendor-07/21/2026 Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-07/21/2026 |
XX | TX | Primary Residence | Purchase | NA | 10162953 | N/A | N/A | |||||
| 592 | XX | XX | XX | Closed | 2026-06-10 16:25 | 2026-06-10 16:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/10/2026 |
XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9671865 | Investor Post-Close | No | ||||||
| 595 | XX | XX | XX | Closed | 2026-07-10 16:25 | 2026-07-21 10:07 | 2026-07-21 10:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence that REO1 Property is Owned Free and Clear | Resolved-Lemder provided
evidence with Hazard policy declaration, which shows no mortgage clause and
the property is free and clear for REO1. condition cleared. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. UW response: Please see the attached insurance documentation.XX is a co-op, and the additional insureds listed on the insurance declaration are the co-op corporation and the property manager. There is no lender listed on the insurance documentation, and there is no indication of any loan on this property on the file documentation. - Investor-07/XX/2026 Open-Missing Evidence that REO1 Property is Owned Free and Clear for property at XX. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lemder provided
evidence with Hazard policy declaration, which shows no mortgage clause and
the property is free and clear for REO1. condition cleared. - Due Diligence
Vendor-07/21/2026 |
XX | NJ | Primary Residence | Purchase | NA | 10187255 | N/A | N/A | |||||
| 595 | XX | XX | XX | Closed | 2026-07-09 04:37 | 2026-07-20 10:29 | 2026-07-20 10:29 | Resolved | 1 - Information | Compliance | XX | Tolerance: Disclosure | Resolved-Audit trail
received. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached audit trail for 06-XX-26 CD. - Buyer-07/XX/2026 Counter-Please provide documentation of when the borrower received the 6/XX/26 Cd. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Interest rate is fixed rate but adjusts per the attached buydown agreement. - Investor-07/XX/2026 Open-The Prior CD1 sent on (2026-XX-29) was received at least 3 business days before closing. The Last CD sent on (2026-XX-02) was not received at least 3 business days before closing. The Prior CD1 (7.463%) APR is inaccurate when compared to the (7.606%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (20260629), which is 3 business days before the (2026-XX-02) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) Interest type on note and final cd mismatched - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Audit trail
received. Resolved. - Due Diligence Vendor-07/20/2026 |
XX | NJ | Primary Residence | Purchase | NA | 10143257 | N/A | N/A | |||||
| 595 | XX | XX | XX | Closed | 2026-07-09 04:37 | 2026-07-20 10:29 | 2026-07-20 10:29 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-Audit trail
received. Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached audit trail for the 06-XX-26 CD. - Seller-07/XX/2026 Counter-Please provided documentation that the 6/XX/26 CD was received 3 days prior to closing. - Due Diligence Vendor-07/XX/2026 Ready for Review-XX- Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Interest rate is fixed rate but adjusts per the attached buydown agreement. - Seller-07/XX/2026 Open-The Annual Percentage Rate of (7.463%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before the consummation date of (2026-XX-02). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(A); 1026.22(a)(2)) Interest type on note and final cd mismatched - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Document
Uploaded. Please see attached audit trail for the 06-29-26 CD. -
Seller-07/17/2026 Ready for Review-Document Uploaded. Interest rate is fixed rate but adjusts per the attached buydown agreement. - Seller-07/15/2026 |
Resolved-Audit trail
received. Resolved. - Due Diligence Vendor-07/20/2026 |
XX | NJ | Primary Residence | Purchase | NA | 10143252 | N/A | N/A | ||||
| 595 | XX | XX | XX | Closed | 2026-07-09 04:37 | 2026-07-16 15:50 | 2026-07-16 15:50 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Lender provided
the buy-down agreement and their compliance ease the variance is cause by the
buy-down amount. - Due Diligence Vendor-07/XX/2026 Ready for Review-XX- Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Interest rate is fixed rate but adjusts per the attached buydown agreement. - Investor-07/XX/2026 Open-The disclosed APR (7.463) is lower than the actual APR (7.606) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Interest type on note and final cd mismatched - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the buy-down agreement and their compliance ease the variance is cause by the
buy-down amount. - Due Diligence Vendor-07/16/2026 |
XX | NJ | Primary Residence | Purchase | NA | 10143258 | N/A | N/A | |||||
| 595 | XX | XX | XX | Closed | 2026-07-09 04:37 | 2026-07-16 15:50 | 2026-07-16 15:50 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Lender provided
the buy-down agreement and their compliance ease the variance is cause by the
buy-down amount. - Due Diligence Vendor-07/XX/2026 Ready for Review-XX- Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Interest rate is fixed rate but adjusts per the attached buydown agreement. - Seller-07/XX/2026 Open-The disclosed Total of Payments ($3,306,397.55) is understated by more than $100 when compared to the actual Total of Payments ($3,316,979.51). The difference is ($10,581.96). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) Interest type on note and final cd mismatched - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Document
Uploaded. Interest rate is fixed rate but adjusts per the attached buydown
agreement. - Seller-07/15/2026 |
Resolved-Lender provided
the buy-down agreement and their compliance ease the variance is cause by the
buy-down amount. - Due Diligence Vendor-07/16/2026 |
XX | NJ | Primary Residence | Purchase | NA | 10143256 | N/A | N/A | ||||
| 595 | XX | XX | XX | Closed | 2026-07-09 04:37 | 2026-07-16 15:50 | 2026-07-16 15:50 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided
the buy-down agreement and their compliance ease the variance is cause by the
buy-down amount. - Due Diligence Vendor-07/XX/2026 Ready for Review-XX- Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Interest rate is fixed rate but adjusts per the attached buydown agreement. - Investor-07/XX/2026 Open-The disclosed finance charge ($1,981,143.55) is ($10,541.96) below the actual finance charge($1,991,685.51). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Interest type on note and final cd mismatched - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the buy-down agreement and their compliance ease the variance is cause by the
buy-down amount. - Due Diligence Vendor-07/16/2026 |
XX | NJ | Primary Residence | Purchase | NA | 10143253 | N/A | N/A | |||||
| 600 | XX | XX | XX | Closed | 2026-06-23 09:23 | 2026-06-23 14:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/23/2026 |
XX | AL | Investment | Purchase | NA | 9888591 | Investor Post-Close | No | ||||||
| 608 | XX | XX | XX | Closed | 2026-06-26 13:04 | 2026-06-26 13:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-06/26/2026 |
XX | NV | Investment | Purchase | NA | 9960415 | Investor Post-Close | No | ||||||
| 612 | XX | XX | XX | Closed | 2026-07-07 14:13 | 2026-07-07 14:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-07/07/2026 |
XX | OR | Primary Residence | Purchase | NA | 10102646 | Investor Post-Close | No | ||||||
| 614 | XX | XX | XX | Closed | 2026-07-09 07:32 | 2026-07-16 16:00 | 2026-07-16 16:00 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided
the COC - Due Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached 6/16 COC - Investor-07/XX/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is missing for 06/XX/2026 - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the COC - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | FL | Primary Residence | Purchase | NA | 10148199 | N/A | N/A | |||||
| 614 | XX | XX | XX | Closed | 2026-07-09 07:32 | 2026-07-16 16:00 | 2026-07-16 16:00 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided
the COC - Due Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached 6/16 COC - Buyer-07/XX/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC is missing for 06/XX/2026 - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the COC - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | FL | Primary Residence | Purchase | NA | 10148198 | N/A | N/A | |||||
| 638 | XX | XX | XX | Closed | 2026-06-30 08:04 | 2026-07-06 13:10 | 2026-07-06 13:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached counseling list - Buyer-07/XX/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-27) is more than 3 business days from the Application Date (2026-XX-11). Three business days from the Application Date is (2026-XX-14). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Resolved - Due
Diligence Vendor-07/06/2026 |
XX | MA | Primary Residence | Purchase | NA | 9999189 | N/A | N/A | |||||
| 639 | XX | XX | XX | Closed | 2026-06-24 14:22 | 2026-06-30 17:22 | 2026-06-30 17:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for
providing the BPA. Resolved. - Due
Diligence Vendor-06/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find attached business purpose - Buyer-06/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the BPA. Resolved. - Due
Diligence Vendor-06/30/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-06/30/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 9920929 | N/A | N/A | |||||
| 646 | XX | XX | XX | Closed | 2026-06-24 08:46 | 2026-06-25 07:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary product within tolerance - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. secondary product within
tolerance - Due Diligence Vendor-06/25/2026 |
XX | SC | Primary Residence | Purchase | NA | 9911858 | Investor Post-Close | No | ||||||
| 657 | XX | XX | XX | Closed | 2026-07-08 10:01 | 2026-07-10 12:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. updated as per Document - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. updated as per
Document - Due Diligence
Vendor-07/08/2026 |
XX | TX | Investment | Refinance | Cash Out - Other | 10121811 | Investor Post-Close | No | ||||||
| 659 | XX | XX | XX | Closed | 2026-06-10 10:03 | 2026-07-16 16:22 | 2026-07-16 16:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package and proof of delivery. - Investor-07/XX/2026 Open-A Lender Credit for Excess Charges of ($120.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($184.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. total fees included $120 CDA not on LE. Flood cert disclosed $6, charged $11, Tax Service Disclosed $85, charged $99, Lender Doc Prep Disclosed $350, Charged $395. $120+5+14+45 = $184 total - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Ready for Review-Based off the final CD, there is no closing coordination fee charged. As for the digital archive fee, the SPL shows the borrower shopped for services so there is no cure needed - Investor-06/XX/2026 Counter- - Due Diligence Vendor-06/XX/2026 Ready for Review-Review fees, based on the initial CD, Closing Coordination Fee of $28.00 and Title-Digital Archive fee of $35.00 without a change in circumstances in the loan file. Please provided COC for these changes. condition remains. - Due Diligence Vendor-06/XX/2026 Ready for Review-Please verify which fee increase is missing a COC. We need more detailed information to provide a resolution. - Investor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Ready for Review-Please verify which fee increase is missing a COC. - Seller-06/XX/2026 Open-No Coc available in file for the fee increase. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Please
verify which fee increase is missing a COC. - Seller-06/16/2026 |
Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | FL | Primary Residence | Purchase | NA | 9655672 | N/A | N/A | ||||
| 659 | XX | XX | XX | Closed | 2026-06-10 10:03 | 2026-07-16 16:22 | 2026-07-16 16:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package and proof of delivery. - Seller-07/XX/2026 Open-Updated 6/29 - RC. A Lender Credit for Excess Charges of ($120.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($184.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/XX/2026 Open-A Lender Credit for Excess Charges of ($120.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($184.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Ready for Review-Based off the final CD, there is no closing coordination fee charged. As for the digital archive fee, the SPL shows the borrower shopped for services so there is no cure needed - Seller-06/XX/2026 Counter-Review fees, based on the initial CD, Closing Coordination Fee of $28.00 and Title-Digital Archive fee of $35.00 without a change in circumstances in the loan file. Please provided COC for these changes. condition remains. - Due Diligence Vendor-06/XX/2026 Ready for Review-Please verify which fee increase is missing a COC. We need more detailed information to provide a resolution. - Investor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Ready for Review-Please verify which fee increase in missing a COC. - Buyer-06/XX/2026 Open-NO Coc available in file for the fee increase. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Document
Uploaded. Please see attached cure package and proof of delivery. -
Seller-07/16/2026 Ready for Review-Based off the final CD, there is no closing coordination fee charged. As for the digital archive fee, the SPL shows the borrower shopped for services so there is no cure needed - Seller-06/26/2026 |
Resolved-Lender provided
PCCD, LOX and Proof of delivery for charges that cannot increase - Due
Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | FL | Primary Residence | Purchase | NA | 9655669 | N/A | N/A | ||||
| 659 | XX | XX | XX | Closed | 2026-06-10 10:03 | 2026-06-17 14:48 | 2026-06-17 14:48 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Lender provided
Compliance Ease, review fees and checked the Note, re-ran XX. condition
resolved. - Due Diligence Vendor-06/XX/2026 Resolved- - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please see attached compliance ease report showing a finance charge of $3684.81. - Buyer-06/XX/2026 Open-The disclosed finance charge inaccurate, if it is more than $100 below the actual finance charge. which is $5,281.98, so the condition will remain open. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
Compliance Ease, review fees and checked the Note, re-ran XX. condition
resolved. - Due Diligence Vendor-06/17/2026 |
XX | FL | Primary Residence | Purchase | NA | 9655673 | N/A | N/A | |||||
| 659 | XX | XX | XX | Closed | 2026-06-10 10:03 | 2026-06-17 14:47 | 2026-06-17 14:47 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided
Compliance Ease, review fees and checked the Note, re-ran XX. condition
resolved. - Due Diligence Vendor-06/XX/2026 Resolved- - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please see attached compliance ease report showing a finance charge of $3684.81. - Investor-06/XX/2026 Open-The disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. which is $5,281.98, so the condition will remain open. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
Compliance Ease, review fees and checked the Note, re-ran XX. condition
resolved. - Due Diligence Vendor-06/17/2026 |
XX | FL | Primary Residence | Purchase | NA | 9655670 | N/A | N/A | |||||
| 672 | XX | XX | XX | Closed | 2026-07-08 10:42 | 2026-07-08 10:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/08/2026 |
XX | NJ | Primary Residence | Purchase | NA | 10123414 | Investor Post-Close | No | ||||||
| 676 | XX | XX | XX | Closed | 2026-07-07 15:22 | 2026-07-07 15:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/07/2026 |
XX | NM | Primary Residence | Refinance | Cash Out - Other | 10104014 | Investor Post-Close | No | ||||||
| 679 | XX | XX | XX | Closed | 2026-06-23 15:49 | 2026-08-18 13:49 | 2026-08-18 13:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk -
Current Income or Current Assets were considered - Due Diligence
Vendor-08/XX/2026 Resolved-Lender provided missing documentation for REO properties. - Due Diligence Vendor-07/XX/2026 Ready for Review-Lender provided missing documentation for REO properties. - Due Diligence Vendor-07/XX/2026 Ready for Review-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-07/XX/2026 Ready for Review-Borrower meets all guidelines. DTI is 47%, max allowed is 50%. no need for assets. - Buyer-07/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-06/XX/2026 |
Resolved-ATR Risk - Current
Income or Current Assets were considered - Due Diligence Vendor-08/18/2026
Resolved-Lender provided missing documentation for REO properties. - Due Diligence Vendor-07/01/2026 |
XX | TX | Primary Residence | Refinance | Cash Out - Other | 9900397 | N/A | N/A | |||||
| 679 | XX | XX | XX | Closed | 2026-06-23 16:04 | 2026-08-18 10:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/23/2026 |
XX | TX | Primary Residence | Refinance | Cash Out - Other | 9900644 | Investor Post-Close | No | ||||||
| 679 | XX | XX | XX | Closed | 2026-06-23 16:09 | 2026-07-01 16:27 | 2026-07-01 16:27 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided
missing documentation for REO properties. - Due Diligence Vendor-07/XX/2026
Ready for Review-Document Uploaded. taxes - Buyer-06/XX/2026 Open-The file is missing property tax verification for REO XX on the final application - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
missing documentation for REO properties. - Due Diligence
Vendor-07/01/2026 |
XX | TX | Primary Residence | Refinance | Cash Out - Other | 9900743 | N/A | N/A | |||||
| 697 | XX | XX | XX | Closed | 2026-07-15 15:49 | 2026-07-15 15:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/15/2026 |
XX | OK | Investment | Refinance | Cash Out - Other | 10274590 | Investor Post-Close | No | ||||||
| 701 | XX | XX | XX | Closed | 2026-07-09 11:53 | 2026-07-09 11:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/09/2026 |
XX | CA | Second Home | Refinance | Cash Out - Other | 10155432 | Investor Post-Close | No | ||||||
| 705 | XX | XX | XX | Closed | 2026-07-07 14:56 | 2026-07-08 15:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/07/2026 |
XX | NH | Primary Residence | Purchase | NA | 10103454 | Investor Post-Close | No | ||||||
| 706 | XX | XX | XX | Closed | 2026-07-09 12:25 | 2026-07-09 12:40 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/09/2026 |
XX | OR | Primary Residence | Purchase | NA | 10156208 | Investor Post-Close | No | ||||||
| 718 | XX | XX | XX | Closed | 2026-06-29 12:45 | 2026-07-08 06:46 | 2026-07-08 06:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing purchase contract - addendums | Resolved-Audit Conditions
QC concurs with Client, finding resolved. - Due Diligence Vendor-07/XX/2026
Ready for Review-Document Uploaded. Please see UW response attached - Buyer-07/XX/2026 Counter-Addendum received showing update to purchase price. Please provide addendum for the change in the closing date from 6/XX/2026 to 6/XX/2026 - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached Inspection Addendum, page 2, Letter C references reduction in purchase price to $XX- Buyer-07/XX/2026 Open-All addendums to the purchase contract were not provided Missing an addendum to the purchase contract with updated sales price of $XX and closing date of 06/XX/2026. - Due Diligence Vendor-06/XX/2026 |
Resolved-Audit Conditions
QC concurs with Client, finding resolved. - Due Diligence
Vendor-07/08/2026 |
XX | OH | Investment | Purchase | NA | 9983629 | N/A | N/A | |||||
| 720 | XX | XX | XX | Closed | 2026-06-23 09:37 | 2026-06-29 14:32 | 2026-06-29 14:32 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Thank you for
providing evidence of replacement cost coverage. - Due Diligence Vendor-06/XX/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please see attached checklist of coverages for the insurance policy indicating policy has replacement cost coverage. - Buyer-06/XX/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XXand Total Estimate of Cost-New of $XX - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing evidence of replacement cost coverage. - Due Diligence Vendor-06/29/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-06/29/2026 |
XX | FL | Primary Residence | Purchase | NA | 9889123 | N/A | N/A | |||||
| 723 | XX | XX | XX | Closed | 2026-06-23 12:22 | 2026-07-02 08:56 | 2026-07-02 08:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved-Lender stated
underwriter confirmed no HOA's on REO properties. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Per Underwriter Disagree with this condition - there are no HOA dues on these properties. Please clear this condition or provide clarification for what documents indicate that there are HOA dues on the referenced properties. - Buyer-07/XX/2026 Open-Missing Evidence of HOA Dues for REO1 Evidence of Property HOA for "XX" on the final application not provided. - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender stated
underwriter confirmed no HOA's on REO properties. - Due Diligence
Vendor-07/02/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 9894194 | N/A | N/A | |||||
| 723 | XX | XX | XX | Closed | 2026-06-23 12:22 | 2026-07-02 08:44 | 2026-07-02 08:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-lender provided
hazard insurance documentation for all REO properties. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find documentation attached - Buyer-07/XX/2026 Open-Evidence of Property Insurance for "XX" on the final application not provided. - Due Diligence Vendor-06/XX/2026 |
Resolved-lender provided
hazard insurance documentation for all REO properties. - Due Diligence
Vendor-07/02/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 9894195 | N/A | N/A | |||||
| 723 | XX | XX | XX | Closed | 2026-06-23 12:22 | 2026-07-02 08:43 | 2026-07-02 08:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Lender provided
documentation of REO property taxes. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find docs attached - Buyer-07/XX/2026 Open-Evidence of Property taxes for "XX" on the final application not provided. - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
documentation of REO property taxes. - Due Diligence Vendor-07/02/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 9894193 | N/A | N/A | |||||
| 733 | XX | XX | XX | Closed | 2026-06-23 09:40 | 2026-07-15 08:16 | 2026-07-15 08:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing proof of residency status for Non-US Citizen (Borrower 1) | Resolved-Proof of
residency status for Non-US Citizen (Borrower 1) provided. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached permanent resident card - Buyer-07/XX/2026 Counter-Based on the 1003 Borrower 1 is a permanent resident, need documentation of permanent resident status. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached license - Buyer-07/XX/2026 Counter-Received passport for B2. Missing proof of residency status for Non-US Citizen for Borrower 1 (Per 1008). Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. please find attached Passport - Buyer-06/XX/2026 Open-Missing proof of residency status for Non-US Citizen (Borrower 1) Missing proof of residency status for borrower of non-US Citizenship - Due Diligence Vendor-06/XX/2026 |
Resolved-Proof of residency
status for Non-US Citizen (Borrower 1) provided. - Due Diligence
Vendor-07/15/2026 |
XX | CA | Primary Residence | Purchase | NA | 9889195 | N/A | N/A | |||||
| 739 | XX | XX | XX | Closed | 2026-06-25 09:37 | 2026-07-09 14:07 | 2026-07-09 14:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided
CPA letter dated within 10 days of the Note.
condition resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Employment confirmed via CPA and Secretary of State - Buyer-07/XX/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing for XX - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender provided
CPA letter dated within 10 days of the Note.
condition resolved. - Due Diligence Vendor-07/09/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/09/2026 |
XX | FL | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 9935730 | N/A | N/A | |||||
| 741 | XX | XX | XX | Closed | 2026-06-29 14:59 | 2026-06-29 14:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-06/29/2026 |
XX | NJ | Investment | Refinance | Cash Out - Home Improvement/Reno | 9986551 | Investor Post-Close | No | ||||||
| 748 | XX | XX | XX | Closed | 2026-06-12 10:32 | 2026-07-16 13:07 | 2026-07-16 13:07 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided
required documents to clear the increased Discount Points, the processing fee
in question was in schedule C so could be increased, corrected the payee and
that cleared the finding. - Due Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached COC - Investor-07/XX/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Lender updated 05/XX/26 to shows discount points was not added to original copy in the loan file with COC, however, Processing Fee on Final CD dated 06/XX/26 decreased from 1095.00 to $995.00, there is no COC present for the change. condition remains. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find COC attached - Seller-07/XX/2026 Counter-Received duplicate CD dated 5/XX/2026. Need COC for Final CD dated 06/XX/2026. Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find COC attached - Buyer-06/XX/2026 Counter-Require COC for final CD dated 06/XX/2026, increase discount points and decrease lender credit. Condition remains. - Due Diligence Vendor-06/XX/2026 Ready for Review-Please find COC's attached to 3 of the other conditions for this loan - Buyer-06/XX/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $2,244.63 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Document
Uploaded. Please find COC attached -
Seller-07/08/2026 |
Resolved-Lender provided
required documents to clear the increased Discount Points, the processing fee
in question was in schedule C so could be increased, corrected the payee and
that cleared the finding. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | FL | Primary Residence | Purchase | NA | 9718260 | N/A | N/A | ||||
| 748 | XX | XX | XX | Closed | 2026-06-12 10:32 | 2026-07-16 13:07 | 2026-07-16 13:07 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided
required documents to clear the increased Discount Points, the processing fee
in question was in schedule C so could be increased, corrected the payee and
that cleared the finding. - Due Diligence Vendor-07/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached COC - Investor-07/XX/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Lender updated 05/XX/26 to shows discount points was not added to original copy in the loan file with COC, however, Processing Fee on Final CD dated 06/XX/26 decreased from 1095.00 to $995.00, there is no COC present for the change. condition remains. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Ready for Review-Please find attached COC - Seller-07/XX/2026 Counter-Received duplicate CD dated 5/XX/2026. Need COC for Final CD dated 06/XX/2026. Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find COC attached - Seller-06/XX/2026 Counter-Require COC for final CD dated 06/XX/2026, increase discount points and decrease lender credit. Condition remains. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find COC's attached - Investor-06/XX/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $2,244.63 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Please
find attached COC - Seller-07/08/2026 Ready for Review-Document Uploaded. Please find COC attached - Seller-06/29/2026 |
Resolved-Lender provided
required documents to clear the increased Discount Points, the processing fee
in question was in schedule C so could be increased, corrected the payee and
that cleared the finding. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XX | FL | Primary Residence | Purchase | NA | 9718259 | N/A | N/A | ||||
| 748 | XX | XX | XX | Closed | 2026-06-12 12:07 | 2026-07-09 14:01 | 2026-06-22 13:15 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Valid ID
expiration date 04/XX/29 in file. Resolved. - Due Diligence Vendor-06/XX/2026
Ready for Review-Please find COC's attached to 3 other conditions with similar comments - Investor-06/XX/2026 Open-Borrower photo ID expiration date is 09-XX-2024 and note is dated 06-XX-2026. Borrower photo ID (Driver license pdf #XX) expiration date is 09-XX-2024 and note is dated 06-XX-2026. - Due Diligence Vendor-06/XX/2026 |
Resolved-Valid ID
expiration date 04/19/29 in file. Resolved. - Due Diligence
Vendor-06/22/2026 |
XX | FL | Primary Residence | Purchase | NA | 9723050 | N/A | N/A | |||||
| 748 | XX | XX | XX | Closed | 2026-06-12 10:32 | 2026-07-09 14:01 | 2026-07-09 14:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Lender updated
05/XX/26 to shows discount points was not added to original copy in the loan
file with COC, condition resolved. - Due Diligence Vendor-07/XX/2026 Resolved- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find COC attached - Investor-07/XX/2026 Counter-Received duplicate CD dated 5/XX/2026. Need COC for Final CD dated 06/XX/2026. Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find COC attached - Investor-06/XX/2026 Counter-Require COC for final CD dated 06/XX/2026, increase discount points and decrease lender credit. Condition remains. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find COC's uploaded - Investor-06/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($233.00). The actual total fee amount shows a credit amount of ($0.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $233 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Lender updated
05/29/26 to shows discount points was not added to original copy in the loan
file with COC, condition resolved. - Due Diligence Vendor-07/09/2026 |
XX | FL | Primary Residence | Purchase | NA | 9718258 | N/A | N/A | |||||
| 748 | XX | XX | XX | Closed | 2026-06-12 10:32 | 2026-07-09 14:01 | 2026-07-09 14:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender updated
05/XX/26 to shows discount points was not added to original copy in the loan
file with COC, condition resolved. - Due Diligence Vendor-07/XX/2026 Resolved- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached 5/29 CD and COC same date with resulted in change in discount points and lender credit. - Investor-07/XX/2026 Counter-Received duplicate CD dated 5/XX/2026. Need COC for Final CD dated 06/XX/2026. Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find attached COC - Investor-06/XX/2026 Counter-Require COC for final CD dated 06/XX/2026, increase discount points and decrease lender credit. Condition remains. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please find COC's uploaded - Seller-06/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($233.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $233 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Document
Uploaded. Please find COC's uploaded - Seller-06/22/2026 |
Resolved-Lender updated
05/29/26 to shows discount points was not added to original copy in the loan
file with COC, condition resolved. - Due Diligence Vendor-07/09/2026 |
XX | FL | Primary Residence | Purchase | NA | 9718257 | N/A | N/A | ||||
| 749 | XX | XX | XX | Closed | 2026-06-25 13:16 | 2026-06-26 11:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary Valuation product is within tolerance - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Secondary Valuation
product is within tolerance - Due Diligence Vendor-06/26/2026 |
XX | GA | Primary Residence | Purchase | NA | 9941386 | Investor Post-Close | No | ||||||
| 757 | XX | XX | XX | Closed | 2026-06-10 09:23 | 2026-08-18 13:52 | 2026-07-09 14:30 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Received PCCD,
Letter of explanation, and Payment history reflecting credit applied as
lender principal adjustment to loan balance. Credit posted, resolved. - Due
Diligence Vendor-07/XX/2026 Ready for Review-The PR was posted to the borrower's loan and the PCCD is issued to the borrower upon issuance. - Seller-07/XX/2026 Cured-Received PCCD, Letter of explanation, and Payment history reflecting credit applied as lender principal adjustment to loan balance. Please provide proof of delivery. Condition remains - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Seller-07/XX/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Settlement or Closing Fee, Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Change Of Circumstance not provided - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Ready for Review-The PR was
posted to the borrower's loan and the PCCD is issued to the borrower upon
issuance. - Seller-07/08/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Seller-07/06/2026 |
Cured-Received PCCD, Letter
of explanation, and Payment history reflecting credit applied as lender
principal adjustment to loan balance. Credit posted, resolved. - Due
Diligence Vendor-07/09/2026 Cured-Received PCCD, Letter of explanation, and Payment history reflecting credit applied as lender principal adjustment to loan balance. Please provide proof of delivery. Condition remains - Due Diligence Vendor-07/08/2026 |
XX | IN | Primary Residence | Purchase | NA | 9654529 | N/A | N/A | ||||
| 757 | XX | XX | XX | Closed | 2026-06-10 09:23 | 2026-08-18 13:52 | 2026-07-09 14:30 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Received PCCD,
Letter of explanation, and Payment history reflecting credit applied as
lender principal adjustment to loan balance. Credit posted, resolved. - Due
Diligence Vendor-07/XX/2026 Ready for Review-The PR was posted to the borrower's loan and the PCCD is issued to the borrower upon issuance. - Investor-07/XX/2026 Cured-Received PCCD, Letter of explanation, and Payment history reflecting credit applied as lender principal adjustment to loan balance. Please provide proof of delivery. Condition remains - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-07/XX/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Settlement or Closing Fee, Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Change Of Circumstance not provided - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Cured-Received PCCD, Letter
of explanation, and Payment history reflecting credit applied as lender
principal adjustment to loan balance. Credit posted, resolved. - Due
Diligence Vendor-07/09/2026 Cured-Received PCCD, Letter of explanation, and Payment history reflecting credit applied as lender principal adjustment to loan balance. Please provide proof of delivery. Condition remains - Due Diligence Vendor-07/08/2026 |
XX | IN | Primary Residence | Purchase | NA | 9654530 | N/A | N/A | |||||
| 758 | XX | XX | XX | Closed | 2026-07-09 08:07 | 2026-07-09 08:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/09/2026 |
XX | FL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 10148974 | Investor Post-Close | No | ||||||
| 761 | XX | XX | XX | Closed | 2026-06-23 09:20 | 2026-06-29 14:13 | 2026-06-29 14:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Thank you for
providing the LOE. Resolved. - Due
Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please see attached letter of explanation. - Buyer-06/XX/2026 Open-The file is missing an LOX on ownership of borrower's mailing's address on the final 1003. Additional conditions may apply. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the LOE. Resolved. - Due
Diligence Vendor-06/29/2026 |
XX | NY | Second Home | Purchase | NA | 9888505 | N/A | N/A | |||||
| 765 | XX | XX | XX | Closed | 2026-07-08 16:33 | 2026-07-13 16:48 | 2026-07-13 16:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for
providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Audit could not locate the business purpose loan certification signed by borrower(s). - Due Diligence Vendor-07/XX/2026 |
Resolved-Thank you for
providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-07/13/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/13/2026 |
XX | GA | Investment | Purchase | NA | 10133129 | N/A | N/A | |||||
| 768 | XX | XX | XX | Closed | 2026-07-10 10:58 | 2026-08-13 15:39 | 2026-08-13 15:39 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved -
Provided the List of Settlement Service Providers Disclosure - Due Diligence
Vendor-08/XX/2026 Resolved-Resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached settlement service provider list. - Buyer-07/XX/2026 Open-The List of Settlement Service Providers Disclosure Date (2026-XX-15) is more than 3 business days from the Application Date (2026-XX-03). Three business days from the Application Date is (2026-XX-08). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) The List of Settlement Service Providers Disclosure Date (2026-XX-15) is more than 3 business days from the Application Date (2026-XX-03). - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Resolved -
Provided the List of Settlement Service Providers Disclosure - Due Diligence
Vendor-08/13/2026 Resolved-Resolved - Due Diligence Vendor-07/20/2026 |
XX | FL | Second Home | Purchase | NA | 10179959 | N/A | N/A | |||||
| 775 | XX | XX | XX | Closed | 2026-07-08 14:02 | 2026-07-16 16:10 | 2026-07-16 16:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Lender provided
the condo questionnaire - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached questionnaire - Buyer-07/XX/2026 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. Condo Questionnaire is missing from the loan file - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the condo questionnaire - Due Diligence Vendor-07/16/2026 |
XX | FL | Primary Residence | Purchase | NA | 10129333 | N/A | N/A | |||||
| 775 | XX | XX | XX | Closed | 2026-07-07 12:12 | 2026-07-10 03:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Acknowledged - Due
Diligence Vendor-07/08/2026 |
XX | FL | Primary Residence | Purchase | NA | 10099813 | Investor Post-Close | No | ||||||
| 793 | XX | XX | XX | Closed | 2026-06-26 10:19 | 2026-06-29 15:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/26/2026 |
XX | TX | Primary Residence | Purchase | NA | 9956698 | Investor Post-Close | No | ||||||
| 795 | XX | XX | XX | Closed | 2026-07-07 09:53 | 2026-07-07 09:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/07/2026 |
XX | TX | Primary Residence | Refinance | Cash Out - Other | 10096153 | Investor Post-Close | No | ||||||
| 798 | XX | XX | XX | Closed | 2026-06-11 15:25 | 2026-07-02 09:55 | 2026-07-02 09:55 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Verification
from title received indicating the subject property is Fee Simple - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. email from title - Buyer-07/XX/2026 Counter-The uploaded Mortgage, 1-4 Family Rider and Leasehold Rider are duplicates of documents contained in the original loan file. Provide verification from the Title Company if the estate or interest is Fee Simple or Leasehold. Additional conditions that may apply, but are not limited to; updated Title showing leasehold, a copy of the lease and an updated appraisal, or a fully executed, updated DOT without the Rider and LOI to record. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. mortgage - Buyer-06/XX/2026 Open-All pages of the Mortgage/Deed of Trust were not provided. The DOT has a Leasehold Rider. Both the Title report and Appraisal state the property is Fee Simple. Provide verification from the Title Company if the estate or interest is Fee Simple or Leasehold. Addition conditions that may apply,but are not limited to; updated Title showing leasehold, a copy of the lease and an updated appraisal, or a fully executed, updated DOT without the Rider and LOI to record. - Due Diligence Vendor-06/XX/2026 |
Resolved-Verification from
title received indicating the subject property is Fee Simple - Due Diligence
Vendor-07/02/2026 |
XX | OH | Investment | Purchase | NA | 9702135 | N/A | N/A | |||||
| 802 | XX | XX | XX | Closed | 2026-06-24 08:41 | 2026-07-01 15:52 | 2026-07-01 15:52 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-XX-6 Insurance
Policy Effective Date of 06-XX-2026 is prior to or equal to the Note Date of
06-XX-2026 Or HO-6 Insurance Policy Effective Date Is Not Provided - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached policy effective 06-XX-26. - Buyer-07/XX/2026 Open-XX-6 Insurance Policy Effective Date of 06-XX-2026 is after the Note Date of 06-XX-2026 - Due Diligence Vendor-06/XX/2026 |
Resolved-HO-6 Insurance
Policy Effective Date of 06-XX-2026 is prior to or equal to the Note Date of
06-XX-2026 Or HO-6 Insurance Policy Effective Date Is Not Provided - Due
Diligence Vendor-07/01/2026 |
XX | FL | Primary Residence | Purchase | NA | 9911757 | N/A | N/A | |||||
| 802 | XX | XX | XX | Closed | 2026-06-24 07:05 | 2026-07-01 15:49 | 2026-07-01 15:49 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS
Required is Provided or Not Applicable - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached escrow disclosure. - Buyer-07/XX/2026 Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-06/XX/2026 |
Resolved-RESPA: IEADS
Required is Provided or Not Applicable - Due Diligence Vendor-07/01/2026 |
XX | FL | Primary Residence | Purchase | NA | 9910216 | N/A | N/A | |||||
| 802 | XX | XX | XX | Closed | 2026-06-23 14:35 | 2026-07-01 15:48 | 2026-07-01 15:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached ID. - Buyer-07/XX/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-06/XX/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/01/2026 |
XX | FL | Primary Residence | Purchase | NA | 9898766 | N/A | N/A | |||||
| 804 | XX | XX | XX | Closed | 2026-06-25 11:43 | 2026-07-08 06:42 | 2026-07-08 06:42 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/XX/2026
Ready for Review-Document received, finding resolved. Audit QC confirmed was not provided in the original loan file. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached wire for gift funds. - Buyer-07/XX/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of receipt of gift funds to title company. - Due Diligence Vendor-06/XX/2026 |
Resolved-Asset Record 2
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/08/2026 |
XX | IN | Investment | Purchase | NA | 9939606 | N/A | N/A | |||||
| 804 | XX | XX | XX | Closed | 2026-06-25 11:53 | 2026-07-06 15:44 | 2026-07-06 15:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Originator DSCR Doc Source | Resolved-DSCR doc source
located in file confirming the use of the current lease amount for unit 1 and
the market rent for vacant unit 2, finding resolved. - Due Diligence
Vendor-07/XX/2026 Ready for Review-UW response: Disagree with this condition - please refer the auditor to the appraisal form 1025 Subject Rent Schedule section on page 4/30. The underwriter used the actual current rent of $1000 for the tenant-occupied unit 1, and the appraiser's market rent estimate of $1250 for the vacant unit 2 for a total of $2250 qualifying rent. - Buyer-07/XX/2026 Open-Missing Originator DSCR Doc Source. Lender utilized rental income of $2250 per lease agreement to calculate DSCR. Missing lease agreements to validate rental amounts used by lender. - Due Diligence Vendor-06/XX/2026 |
Resolved-DSCR doc source
located in file confirming the use of the current lease amount for unit 1 and
the market rent for vacant unit 2, finding resolved. - Due Diligence
Vendor-07/06/2026 |
XX | IN | Investment | Purchase | NA | 9939756 | N/A | N/A | |||||
| 806 | XX | XX | XX | Closed | 2026-06-24 09:02 | 2026-06-30 16:16 | 2026-06-30 16:16 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Thank you for
providing a copy of the NY Disclosure. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Disclosure provided. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. initial docs 04/XX/26 - Buyer-06/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing the New York pamphlet “What Mortgage Applicants Need to Know” - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing a copy of the NY Disclosure. Resolved. - Due Diligence Vendor-06/30/2026 Resolved-Disclosure provided. - Due Diligence Vendor-06/30/2026 |
XX | NY | Primary Residence | Purchase | NA | 9912127 | N/A | N/A | |||||
| 809 | XX | XX | XX | Closed | 2026-06-23 13:08 | 2026-06-29 14:59 | 2026-06-29 14:59 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Thank you for
providing the initial Homeowners Counseling disclosure. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Resolved - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. Please see uploaded HOC document date 5.11.26 - Buyer-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-18) is more than 3 business days from the Application Date (2026-XX-11). Three business days from the Application Date is (2026-XX-14). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-18) is more than 3 business days from the Application Date (2026-XX-11). Three business days from the Application Date is (2026-XX-14). - Due Diligence Vendor-06/XX/2026 Open- - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the initial Homeowners Counseling disclosure. Resolved. - Due Diligence Vendor-06/29/2026 Resolved-Resolved - Due Diligence Vendor-06/29/2026 |
XX | SC | Second Home | Purchase | NA | 9896146 | N/A | N/A | |||||
| 811 | XX | XX | XX | Closed | 2026-06-26 12:54 | 2026-06-26 12:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-06/26/2026 |
XX | CA | Primary Residence | Purchase | NA | 9960207 | Investor Post-Close | No |