|
Redaction ID
|
Loan ID
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Seller Loan ID
|
Investor Loan ID
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Overall Initial Loan Grade
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Overall Final Loan Grade
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Credit Initial Loan Grade
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Credit Current/Final Loan Grade
|
Compliance Initial Loan Grade
|
Compliance Current/Final Loan Grade
|
Property Initial Loan Grade
|
Property Current/Final Loan Grade
|
Queue
|
Finding Code
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Date Created
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Date Modified
|
Finding Status
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Event Level
|
Initial Finding Grade
|
Current/Final Finding Grade
|
Finding Category
|
Finding Sub Category
|
Finding Name
|
Finding Comments
|
Seller Comments
|
Resolution Comments
|
Reviewer Comp Factor
|
Originator Comp Factors
|
Finding Documents
|
Originator QM Status
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Final Reviewed QM Status
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Loan Amount
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Property State
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Occupancy
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Loan Purpose
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Refinance Purpose
|
Acknowledged / WaivedBy
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Waiver in File?
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Unique Finding ID
|
|
976818
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
Closed
|
FCRE8525
|
2026-02-06 07:47
|
2026-03-05 16:29
|
Waived
|
2 - Non-Material
|
C
|
B
|
Property
|
Appraisal
|
Two or more full valuation products not provided for loan amounts > $2 million
|
Waived-Client provided a waiver to proceed with one appraisal , applied to non material finding with comp factors - Due Diligence
Vendor-03/05/2026
Ready for Review-Document Uploaded. Exception request and approval to waive 2 appraisal requirement for loan amount equal to XXXX -
Seller-03/04/2026
Open-Two or more full valuation products were not provided.' >$2.0mm, requires 2 Appraisals. loan is XXXX - Due Diligence
Vendor-02/06/2026
|
Ready for Review-Document Uploaded. Exception request and approval to waive 2 appraisal requirement for loan amount equal to XXXX -
Seller-03/04/2026
|
Waived-Client provided a waiver to proceed with one appraisal , applied to non material finding with comp factors - Due Diligence
Vendor-03/05/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 760
LTV is less than guideline maximum - Required is 85 Borrower has 76.92
Qualifying DTI below maximum allowed - Required is 45 Borrower has 39.04
|
Value is supported by XXXX. Excellent credit profile. Stable employment supported by 2 years tax returns. Post-closing liquidity over XXXX
/ 69 months PITI reserves.
|
XXXX
|
ATR/QM: CDFI Lender Exempt
|
ATR/QM: CDFI Lender Exempt
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Investor Post-Close
|
No
|
7485715
|
|
976818
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
Closed
|
finding-3540
|
2026-02-04 16:39
|
2026-02-24 08:34
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test
|
Resolved-Received Verification of signed CD's. Finding Resolve. - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. Supporting Documents - Seller-02/23/2026
Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The
revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or
blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no
consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe
revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before
consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting
any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the
consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may
omit from inspection items related only to the seller's transaction. -----CD XXXX and CD XXXX are not signed and there is no evidence of when it was provided to borrower. - Due Diligence Vendor-02/04/2026
|
Ready for Review-Document Uploaded. Supporting Documents - Seller-02/23/2026
|
Resolved-Received Verification of signed CD's. Finding Resolve. - Due Diligence Vendor-02/24/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 760
LTV is less than guideline maximum - Required is 85 Borrower has 76.92
Qualifying DTI below maximum allowed - Required is 45 Borrower has 39.04
|
XXXX
|
ATR/QM: CDFI Lender Exempt
|
ATR/QM: CDFI Lender Exempt
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
7448913
|
|
|
976818
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
Closed
|
finding-3634
|
2026-02-04 16:39
|
2026-02-24 08:34
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received Verification of signed CD's. Finding Resolve. - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. Supporting Documents - Buyer-02/23/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). -----CD XXXX and CD XXXX are not signed and there is no evidence of when it was provided to borrower. COC's were provided. Need proof CD's were provided to borrower. - Due Diligence Vendor-02/04/2026
|
Resolved-Received Verification of signed CD's. Finding Resolve. - Due Diligence Vendor-02/24/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 760
LTV is less than guideline maximum - Required is 85 Borrower has 76.92
Qualifying DTI below maximum allowed - Required is 45 Borrower has 39.04
|
XXXX
|
ATR/QM: CDFI Lender Exempt
|
ATR/QM: CDFI Lender Exempt
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
7448914
|
||
|
976818
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
Closed
|
FCOM5135
|
2026-02-04 16:01
|
2026-02-04 16:01
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.
- Due Diligence Vendor-02/04/2026
|
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.
- Due Diligence Vendor-02/04/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 760
LTV is less than guideline maximum - Required is 85 Borrower has 76.92
Qualifying DTI below maximum allowed - Required is 45 Borrower has 39.04
|
XXXX
|
ATR/QM: CDFI Lender Exempt
|
ATR/QM: CDFI Lender Exempt
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Investor Post-Close
|
No
|
7448132
|
||
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE7497
|
2026-06-29 09:28
|
2026-07-30 14:48
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Updated XX was provided with corrected rent. - Due Diligence Vendor-07/30/2026
Ready for Review-Condition document submitted - Seller-07/30/2026
Counter-Received explanation as well as documents supporting PITIA for B1&B2 departing as well as PITA for B3 (non occupant) primary.
Please provide documents supporting rent $4686.66for B1&B2 departing. ( also B3 Primary is subject to HELOC with XXXX which is not reflected on 1003F for b3) upon receipt of rent, income may need recalculation . - Due Diligence
Vendor-07/30/2026
Ready for Review-
The payment for the departing residence on the credit report is $3,515.00
Taxes and insurance are XXXX monthly
The total is XXXX . This is the amount of the payment for the departing residence that was used to qualify the borrower. Borrower was
qualified based on the insurance and taxes not being escrowed.
They are using 75% rental rate ( rent $4686.66 x 75% = $3514.99) XXXX
- Seller-07/29/2026
Counter-Received re taxes, insurance and confirmation no HOI. Missing verification if departure residence is escrowed. Review is unable
to reconcile AUS negative rental of $1,705.05. - Due Diligence Vendor-07/29/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Counter-Received confirmation no HOA on departure residence. Missing confirmation re taxes and insurance are escrowed for departure
residence. If applicable, monthly amount to be included and DTI recalculated - Due Diligence Vendor-07/27/2026
Ready for Review-Condition document submitted - Seller-07/24/2026
Open-1. Missing verification that credit report payment for B1/B2 departure residence includes taxes and insurance. If not included,
documentation required to support. Additional findings may apply and DTI may require recalculation.
2. Missing verification of HOA payment for B1/B2 departure residence. If applicable, monthly amount to be included and DTI recalculated.
- Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/30/2026
Ready for Review-
The payment for the departing residence on the credit report is $3,515.00
Taxes and insurance are XXXX monthly
The total is XXXX . This is the amount of the payment for the departing residence that was used to qualify the borrower. Borrower was
qualified based on the insurance and taxes not being escrowed.
They are using 75% rental rate XXXX
- Seller-07/29/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Ready for Review-Condition document submitted - Seller-07/24/2026
|
Resolved-Updated DU was provided with corrected rent. - Due Diligence Vendor-07/30/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9978093
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE1185
|
2026-06-30 13:30
|
2026-07-30 14:48
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
AUS Partially Provided
|
Resolved-Received updated XX and 1003 with the updated negative rent. Audit and XX matches negative rent. - Due Diligence
Vendor-07/30/2026
Ready for Review-please see revised DU - Seller-07/30/2026
Counter-Received updated AUS. Missing clarification of negative rental of $1,705.05 - Due Diligence Vendor-07/29/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Counter-AUS submission 2 provided, which was has been already reviewed. Please provide a AUS reflecting the correct housing payment for
b3. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-AUS Partially Provided Lender to re-run AUS. Although the recalculated DTI ratio falls within the lender's guidelines, the XX did not
utilize the correct primary housing payment for the non-occupant co-borrower (as it was documented in the file). - Due Diligence Vendor-06/30/2026
|
Ready for Review-please see revised XX - Seller-07/30/2026
Ready for Review-Condition document submitted - Seller-07/27/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Received updated XX and 1003 with the updated negative rent. Audit and XX matches negative rent. - Due Diligence
Vendor-07/30/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10005301
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE1506
|
2026-06-29 11:12
|
2026-07-30 14:46
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/30/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing evidence of the 04/2026 mortgage
payment for B1/B2 departure residence. Date of last payment on credit report is 03/2026.
2. Missing evidence of the 04/2026 mortgage payment for B3's primary residence (XXXX). Date of last payment on credit report is 03/2026.
3. Missing evidence of compliance with XXXX Section B3-3.8-01 in order to use rental income for departure. XXXX Section B3-3.8-01
requires Form 1007 for departure residence or evidence the terms of the lease have gone into effect. Evidence must include a minimum of two months consecutive bank statements or electronic transfers of rental payments for existing lease
agreements, or copies of the security deposit and first full month's rent check with proof of deposit for newly executed agreements. Additional findings may apply since Audit qualified using rental income.
4. Missing verification that credit report payment for B1/B2 departure residence includes taxes and insurance. If not included,
documentation required to support. Additional findings may apply and DTI may require recalculation.
5. Missing verification of HOA payment for B1/B2 departure residence. If applicable, monthly amount to be included and DTI recalculated.
- Due Diligence Vendor-06/29/2026
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/30/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9979854
|
||
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE8201
|
2026-06-29 09:19
|
2026-07-30 12:01
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Loan does not conform to program guidelines
|
Waived-Originator exception granted to allow Non-occupant co-borrower. Non-material waiver applied to finding with compensating factors. -
Due Diligence Vendor-07/30/2026
Ready for Review-Document Uploaded. please see attached exception approval and clear the conditon - Seller-07/29/2026
Open-Non-occupant co-borrowers are not allowed per Guideline Section 2.02. Although file includes an occupancy affidavit noting B3 will
occupy residence, 1003 declarations show B3 will not occupy and REO section notes B3’s current primary being retained as a primary residence. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Document Uploaded. please see attached exception approval and clear the conditon - Seller-07/29/2026
|
Waived-Originator exception granted to allow Non-occupant co-borrower. Non-material waiver applied to finding with compensating factors. -
Due Diligence Vendor-07/30/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX verified reserves and $218,029.26 required.
792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
Yes
|
9977987
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE1728
|
2026-06-29 09:41
|
2026-07-28 12:53
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing rent comparable schedule form 1007
|
Resolved-Received Lease, proof of security deposit LOX regarding when the first payment was due and proof of the July 2026 rent, which
satisfies the guideline requirement. - Due Diligence Vendor-07/28/2026
Ready for Review-See pages 703-706 of the original upload showing the lease and proof of security deposit - Seller-07/24/2026
Counter-LOE and evidence of 1 months receipt provided, however XXXX requires a 1007 or evidence of the terms of the lease have gone into
effect and two months evidence of receipt. File is missing the Lease and evidence of two months receipt. - Due Diligence Vendor-07/24/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Open-Missing evidence of compliance with XXXX Section B3-3.8-01 in order to use rental income for departure. XXXX Section B3-3.8-01
requires Form 1007 for departure residence or evidence the terms of the lease have gone into effect. Evidence must include a minimum of two months of consecutive bank statements or electronic transfers of rental payments for existing lease
agreements, or copies of the security deposit and first full month's rent check with proof of deposit for newly executed agreements. Additional findings may apply since Audit qualified using rental income. - Due Diligence Vendor-06/29/2026
|
Ready for Review-See pages 703-706 of the original upload showing the lease and proof of security deposit - Seller-07/24/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
|
Resolved-Received Lease, proof of security deposit LOX regarding when the first payment was due and proof of the July 2026 rent, which
satisfies the guideline requirement. - Due Diligence Vendor-07/28/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9978282
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE1158
|
2026-06-29 09:11
|
2026-07-24 10:25
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Hazard Insurance Policy is Partial
|
Resolved-Received final Policy w/ Policy Number. - Due Diligence Vendor-07/24/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Counter-HOI provided reflect the policy number as pending. Please provide confirmation of the policy number, dates coverage amount and
premium. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing insurance policy
with policy number. Binder in file notes policy number is pending. Premium was paid on CD. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/22/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Received final Policy w/ Policy Number. - Due Diligence Vendor-07/24/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9977896
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
finding-3634
|
2026-06-28 18:07
|
2026-07-16 09:58
|
Cured
|
2 - Non-Material
|
C
|
B
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Cured-Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $156.30.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $156.30 (Appraisal Fee increased by $150.00 and Loan Safe Report Fee increased by $6.30) without a valid COC in file. Provide a valid and timely COC for increase
OR evidence of refund to borrower or principal reduction in the amount of $156.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires
XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-06/28/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
|
Cured-Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-07/16/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9972057
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FPRO1257
|
2026-06-29 08:57
|
2026-07-14 11:10
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU score 2.9. Missing Collateral Desk
Analysis (CDA) from XXXX required by Guideline Section 5.03. Additional conditions may apply. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-07/14/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9977755
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE1440
|
2026-06-29 10:41
|
2026-07-14 11:09
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received Mortgage Statements. 0x30 - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Counter-Pending receipt of B3. Additional findings may apply. - Due Diligence Vendor-07/02/2026
Ready for Review-uploaded credit supplement for B1 & B2. Working on B3 - Seller-07/01/2026
Open-Housing History Does Not Meet Guideline Requirements 1. Missing evidence of the 04/2026 mortgage payment for B1/B2 departure
residence. Date of last payment on credit report is 03/2026.
2. Missing evidence of the 04/2026 mortgage payment for B3's primary residence (XXXX). Date of last payment on credit report is 03/2026.
- Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
Ready for Review-uploaded credit supplement for B1 & B2. Working on B3 - Seller-07/01/2026
|
Resolved-Received Mortgage Statements. 0x30 - Due Diligence Vendor-07/14/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9979173
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCRE3653
|
2026-06-29 08:59
|
2026-07-14 11:08
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing letter of explanation
|
Resolved-Upon further review, B3 states on the 1003 XXXX which is confirmed by WVOE in file. Please provide clarification. - Due
Diligence Vendor-07/14/2026
Ready for Review-Please see page 1467 of the closing package originally uploaded in June. The Final 1003 does not show B3 having ownership
in XXXX. - Seller-07/13/2026
Counter-It appears the Schedule E Statement 15 is borrower's b1 and b2 tax returns. B3 states on the 1003 loan application > 25%
ownership of XXXX but is not reported on the B3's tax returns. Please provide calcification. - Due Diligence Vendor-07/02/2026
Ready for Review-The business is on B3 Schedule E Statement 15 - Seller-07/01/2026
Open-Missing LOX why 1003 and VOI notes B3 as XXXX for employer 1. The company is not noted on 1040 Schedule E. Additional findings may
apply since both B1 and B2 are employed with same company. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Please see page 1467 of the closing package originally uploaded in June. The Final 1003 does not show B3 having ownership
in XXXX. - Seller-07/13/2026
Ready for Review-The business is on B3 Schedule E Statement 15 - Seller-07/01/2026
|
Resolved-Upon further review, B3 states on the 1003 XXXX which is confirmed by WVOE in file. Please provide clarification. - Due
Diligence Vendor-07/14/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9977770
|
|
|
1220419
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
C
|
A
|
Closed
|
FCOM0013
|
2026-06-28 17:04
|
2026-07-13 13:52
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Disclosure
|
Missing e-Consent
|
Resolved-Received acknowledgement of E-Consent for all 3 borrowers. Finding Resolved. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Counter-Please provide a copy of the E Consent acknowledged and sent to XXXX. Finding Remains. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Counter-Missing e-Consent. Received E Consent for XXXX, still missing E Consent for XXXX. Finding Remains. - Due Diligence
Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-Missing e-Consent. E-Consent for XXXX and XXXX is located on pages 1296, 1291 and 1305. However these are dated on XXXX. Missing
E-Consent for XXXX.
Please provide. - Due Diligence Vendor-06/28/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Received acknowledgement of E-Consent for all 3 borrowers. Finding Resolved. - Due Diligence Vendor-07/13/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $218,029.26 required.
Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9972049
|
|
|
1229884
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-07 12:18
|
2026-08-05 09:45
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Income finding has been resolved. - Due Diligence Vendor-08/05/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for commissions income.
- Due Diligence Vendor-07/07/2026
|
Resolved-Income finding has been resolved. - Due Diligence Vendor-08/05/2026
|
Months Reserves exceed minimum required - Qualifying reserves 66.17 months; minimum reserves required 12.00 months
Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.23
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10098533
|
||
|
1229884
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1185
|
2026-07-07 12:32
|
2026-08-05 09:43
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
AUS Partially Provided
|
Resolved-Received revised AUS. - Due Diligence Vendor-07/23/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Counter-1003 provided, however a revised XX is required including the debt. Please also address the commission income as indicated in the
original finding. Additional findings may apply. - Due Diligence Vendor-07/15/2026
Ready for Review-Please see page 11 of the 1003 URLA - The XXXX liability is being included in the DTI calculations - Seller-07/13/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-AUS Partially Provided XX excluded the XXXX Auto Lease. Per XXXX B3-6-02, B3-6-05, and Section 7.18, lease payments must be included
regardless of the number of remaining payments. Additionally, B1 has year-over-year declining commission income. Originator qualified the borrower with a higher level of pay than is eligible; loan lacks documentation supporting its inclusion.
Auditor used the lowest recent average pending supporting documentation. Both changes result in a DTI variance exceeding the allowable 3% tolerance per XXXX B3-2-10. Once eligible commissions are finalized an updated XX is required showing
Approve/Ineligible. Additional findings may apply. - Due Diligence Vendor-07/07/2026
|
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Please see page 11 of the 1003 URLA - The XXXX liability is being included in the DTI calculations - Seller-07/13/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received revised AUS. - Due Diligence Vendor-07/23/2026
|
Months Reserves exceed minimum required - Qualifying reserves 66.17 months; minimum reserves required 12.00 months
Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.23
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10098929
|
|
|
1229884
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1305
|
2026-07-07 11:55
|
2026-08-05 09:42
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Income 2 Income Trend is Decreasing
|
Resolved-Income 2 Income Trend is Resolved - Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/04/2026
Counter-SU submission Number 4 provided. Please provide a revised DU, 1003 and 1008 if removing the commission income. - Due Diligence
Vendor-07/23/2026
Ready for Review-Document Uploaded. - Seller-07/22/2026
Open-Income 2 Income Trend is Decreasing B1 commissions show a year-over-year decline: 2024 to 2025 (-71%) and 2025 to 2026 (-28%).
Originator used an average of 16.5 months towards qualifying. Missing letter of explanation from borrower/employer for ongoing declines (required for Seller determination on its use) and Seller's written rationalization for including the
income as required Section 3.01(c)(i). Auditor used the lowest YTD average in accordance with guides and pending supporting documentation. Additional findings may apply. (DTI is well within qualifying range without the commissions but would
require new DU.) - Due Diligence Vendor-07/07/2026
|
Ready for Review-Condition document submitted - Seller-08/04/2026
Ready for Review-Document Uploaded. - Seller-07/22/2026
|
Resolved-Income 2 Income Trend is Resolved - Due Diligence Vendor-08/05/2026
|
Months Reserves exceed minimum required - Qualifying reserves 66.17 months; minimum reserves required 12.00 months
Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.23
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10098000
|
|
|
1229884
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1202
|
2026-07-07 12:08
|
2026-08-05 09:39
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Third Party Fraud Report Partially Provided
|
Resolved-Received Fraud Report. - Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/04/2026
Counter-XXXX Final Check and Alerts summary provided, however we are missing a copy of the Full Fraud report. Final check is only
limited. - Due Diligence Vendor-07/22/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Counter-XXXX Final Check provided, however we are missing the complete Fraud Report as the Final check is only-Limited Checks. - Due
Diligence Vendor-07/15/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Third Party Fraud Report Partially Provided Fraud report dated XXXX provided in loan file states "this is not a Full XXXX Report" at
the top and shows "In Progress" under Fraud Alerts. Missing full fraud report to support transaction. Additional findings may apply.
- Due Diligence Vendor-07/07/2026
|
Ready for Review-Condition document submitted - Seller-08/04/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Fraud Report. - Due Diligence Vendor-08/05/2026
|
Months Reserves exceed minimum required - Qualifying reserves 66.17 months; minimum reserves required 12.00 months
Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.23
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10098204
|
|
|
1229884
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-07 12:03
|
2026-07-15 10:49
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received UDM for both borrowers. - Due Diligence Vendor-07/15/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Borrower 1 Gap Credit Report is Missing Missing gap credit/UDM obtained within 10 days prior to the Note Date. UDM report provided is
dated XXXX and Note Date is XXXX.) Additional findings may apply.
- Due Diligence Vendor-07/07/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received UDM for both borrowers. - Due Diligence Vendor-07/15/2026
|
Months Reserves exceed minimum required - Qualifying reserves 66.17 months; minimum reserves required 12.00 months
Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.23
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10098134
|
|
|
1229884
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3634
|
2026-07-06 13:52
|
2026-07-14 11:06
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Upon further review, the document(COC) are located in original file, nothing further required. - Due Diligence
Vendor-07/14/2026
Ready for Review-Requesting investor to state specifically which fees are causing the TRID fee violation. Thank you. - Seller-07/13/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $275.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $275.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $275.00,
post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3)
After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-07/06/2026
|
Ready for Review-Requesting investor to state specifically which fees are causing the TRID fee violation. Thank you. - Seller-07/13/2026
|
Resolved-Upon further review, the document(COC) are located in original file, nothing further required. - Due Diligence
Vendor-07/14/2026
|
Months Reserves exceed minimum required - Qualifying reserves 66.17 months; minimum reserves required 12.00 months
Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.23
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10076005
|
|
|
1229884
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCOM0013
|
2026-07-06 13:28
|
2026-07-08 09:16
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Disclosure
|
Missing e-Consent
|
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-07/08/2026
Ready for Review-Document Uploaded. e-consent was in the file, but I have screen printed and attached here for ease of review. Please
clear the condition. - Seller-07/08/2026
Open-Missing e-Consent. e-Consent missing from file - Due Diligence Vendor-07/06/2026
|
Ready for Review-Document Uploaded. e-consent was in the file, but I have screen printed and attached here for ease of review. Please
clear the condition. - Seller-07/08/2026
|
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-07/08/2026
|
Months Reserves exceed minimum required - Qualifying reserves 66.17 months; minimum reserves required 12.00 months
Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.23
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10075485
|
|
|
1231303
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
|||||||||||||||||
|
1231327
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1152
|
2026-07-08 09:30
|
2026-07-13 14:48
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Evidence of Property Tax Missing
|
Resolved-Lender provided a printout from the XXXX website verifying the subjects tax rate is 1.140110% which will be used for qualifying.
.01140110% x XXXX = XXXX. After the proposed housing payment was updated- DTI increased to 49.20% - this does not require XX to be re-run as the AUS findings already exceeded 45% DTI on the final run and with the updated tax payment- new DTI
ratio has increased < 3%. - Due Diligence Vendor-07/13/2026
Counter-Tax Calculation provided, the tax calculation tool provided does not reflect the subjects address and or Zipcode level lookup.
Please provide verification of the effective rate used for qualification. Finding remains. - Due Diligence Vendor-07/10/2026
Ready for Review-Document Uploaded. While some sales do result in increased taxes for the buyer, in this case the XXXX that was documented
from the Tax Cert, the Title Commitment and the Appraisal is very close to what the tax amount of XXXX that was estimated by using the XXXX Tax Tool with a sales price of XXXX. No correction is necessary. - Seller-07/08/2026
Open-Missing Evidence of Property Tax Provide current tax bill showing millage, ad valorem, and non-ad valorem/special assessments.
Qualifying taxes must be based on sales price and include all applicable taxes. Per XXXX guidelines, follow Agency when silent. XXXX B3-6-03 requires use of a reasonable amount to qualify in all jurisdictions, including those with tax
reassessment. Originator qualified using current taxes; however, XX reassesses property taxes after sale. Additional findings may apply and DTI may require recalculation since Audit also qualified with current taxes. - Due Diligence
Vendor-07/08/2026
|
Ready for Review-Document Uploaded. While some sales do result in increased taxes for the buyer, in this case the XXXX that was documented
from the Tax Cert, the Title Commitment and the Appraisal is very close to what the tax amount of XXXX that was estimated by using the XXXX Tax Tool with a sales price of XXXX. No correction is necessary. - Seller-07/08/2026
|
Resolved-Lender provided a printout from the XXXX website verifying the subjects tax rate is 1.140110% which will be used for qualifying.
.01140110% x XXXX = XXXX. After the proposed housing payment was updated- DTI increased to 49.20% - this does not require DU to be re-run as the AUS findings already exceeded 45% DTI on the final run and with the updated tax payment- new DTI
ratio has increased < 3%. - Due Diligence Vendor-07/13/2026
|
LTV is less than guideline maximum - 73.6% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10119615
|
|
|
1231327
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1201
|
2026-07-08 05:57
|
2026-07-10 10:41
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Third Party Fraud Report not Provided
|
Resolved-Received Full Fraud Report. - Due Diligence Vendor-07/10/2026
Ready for Review-Document Uploaded. The lender that ran the Fraud Report, ran each section separately and when an update was necessary,
they only ran the section that was incorrect. For instance, when additional participants were added, they only ran the section of the report that related to checking participants against the watchlists. Attached is the complete report,
with all pages and the most recent run for each section. Also attached is the XXXX report for the individual that was showing a match. - Seller-07/08/2026
Open-Missing Third Party Fraud Report Missing complete copy of XXXX fraud report with consecutive pages. File includes comingled pages of
fraud reports run XXXX. Additional findings may apply. - Due Diligence Vendor-07/08/2026
|
Ready for Review-Document Uploaded. The lender that ran the Fraud Report, ran each section separately and when an update was necessary,
they only ran the section that was incorrect. For instance, when additional participants were added, they only ran the section of the report that related to checking participants against the watchlists. Attached is the complete report,
with all pages and the most recent run for each section. Also attached is the XXXX report for the individual that was showing a match. - Seller-07/08/2026
|
Resolved-Received Full Fraud Report. - Due Diligence Vendor-07/10/2026
|
LTV is less than guideline maximum - 73.6% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10114050
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
finding-3939
|
2026-07-08 05:45
|
2026-07-16 10:09
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
ComplianceEase
|
TRID Rate Lock Disclosure Delivery Date Test
|
Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Counter-Received LE XXXX showing loan is not locked. Lock confirmation shows this was locked on XXXX. Please provide copy of Locked LE
XXXX. - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised
interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. -----Disclosure advising borrower of
revised interest rate and any interest rate dependent charges was not delivered within three business days after the interest rate was locked. Statute of Limitations - 3 Years, expiration date XXXX. ***Unable to test properly due to missing
Initial LE within 3 days of application. Please provide*** - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-07/16/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10113849
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
finding-3635
|
2026-07-08 05:45
|
2026-07-16 10:09
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That In Total Cannot Increase More Than 10% Test
|
Resolved-Received copy of SPL. Finding Resolved. - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Counter-Received LE XXXX. Need copy of service provider list. - Due Diligence Vendor-07/14/2026
Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains
third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($6,038.00) exceed the comparable
charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording
fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10
percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%)
tolerance fees (Abstract/title search fee, closing protection letter fee, Lender title insurance, Settlement, Judgement and patriot, postage/express mail/wire, release tracking, rundown/recording and recording fee) increased by $6038.00
without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6038.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of
consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years;
Expiration Date: XXXX remains EV3C ***Unable to test properly due to missing Initial LE within 3 days of application. Please provide*** - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
|
Resolved-Received copy of SPL. Finding Resolved. - Due Diligence Vendor-07/16/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10113854
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE1316
|
2026-07-08 15:08
|
2026-07-14 12:51
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Resolved-Received Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing. Only WVOE provided dated XXXX. - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10129562
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE1347
|
2026-07-08 15:08
|
2026-07-14 12:51
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 3rd Party VOE Prior to Close Missing
|
Resolved-Received Borrower 2 3rd Party VOE Prior to Close - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Borrower 2 3rd Party VOE Prior to Close Missing. Only WVOE provided dated XXXX. - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Borrower 2 3rd Party VOE Prior to Close - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10129565
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-08 15:49
|
2026-07-14 12:49
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10131146
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE5783
|
2026-07-08 15:49
|
2026-07-14 12:49
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10131147
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1978
|
2026-07-08 07:31
|
2026-07-14 09:00
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Missing Intent to Proceed
|
Resolved-Received signed Intent to Proceed Form. Finding Resolved. - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence
Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received signed Intent to Proceed Form. Finding Resolved. - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10115939
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
finding-3634
|
2026-07-08 05:45
|
2026-07-14 08:54
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-07/14/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,538.35.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $2538.35 (Commitment fee, Lock in fee, appraisal fee, credit report fee and flood cert) without a valid COC in file. Provide a valid and timely COC for increase OR
evidence of refund to borrower or principal reduction in the amount of $2538.35 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX
(2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C ***Unable to test properly due to missing Initial LE
within 3 days of application. Please provide*** - Due Diligence Vendor-07/08/2026
|
Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10113850
|
||
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
finding-3515
|
2026-07-08 05:45
|
2026-07-14 08:51
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Initial Loan Estimate Delivery Date Test (from application)
|
Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-07/14/2026
Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR
§1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the
creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been
delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days
that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three
business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the
mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application
date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-07/08/2026
|
Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10113855
|
||
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1266
|
2026-07-08 08:28
|
2026-07-14 08:28
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Homeownership Counseling Disclosure Is Missing
|
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three
business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX.
- Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10118375
|
|
|
1233123
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1301
|
2026-07-08 05:13
|
2026-07-08 06:34
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Home Loan Toolkit is Missing
|
Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/08/2026
|
Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/08/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60% LTV.
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 28.91%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10111053
|
||
|
1236672
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-10 09:59
|
2026-07-15 11:34
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received UDM - Due Diligence Vendor-07/15/2026
Ready for Review-Please see the attached report. Look at the last page in the bottom left hand corner for the date of the report. Thanks!
- Seller-07/14/2026
Ready for Review-Condition document submitted - Seller-07/14/2026
Open-Borrower 1 Gap Credit Report is Missing 10 day gap required - Due Diligence Vendor-07/10/2026
|
Ready for Review-Please see the attached report. Look at the last page in the bottom left hand corner for the date of the report. Thanks!
- Seller-07/14/2026
Ready for Review-Condition document submitted - Seller-07/14/2026
|
Resolved-Received UDM - Due Diligence Vendor-07/15/2026
|
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 52 Months Required = 0 months
Months Reserves exceed minimum required - 34 months > 12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10175335
|
|
|
1236766
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-07-10 08:15
|
2026-07-15 11:40
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Upon further review, the legal description is present on Page 2 of the Mortgage. - Due Diligence Vendor-07/15/2026
Ready for Review-Condition document submitted - Seller-07/14/2026
Ready for Review-Document Uploaded. I see the legal description on the deed of trust so I am not sure what you are asking for. See screen
shot from deed of trust. The legal description matches what shows on title. - Seller-07/13/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description from file. - Due
Diligence Vendor-07/10/2026
|
Ready for Review-Condition document submitted - Seller-07/14/2026
Ready for Review-Document Uploaded. I see the legal description on the deed of trust so I am not sure what you are asking for. See
screen shot from deed of trust. The legal description matches what shows on title. - Seller-07/13/2026
|
Resolved-Upon further review, the legal description is present on Page 2 of the Mortgage. - Due Diligence Vendor-07/15/2026
|
Months Reserves exceed minimum required - 81.95 months reserves exceeds the 12 months minimum required.
Qualifying FICO score is at least 20 points above minimum for program - 759 FICO > 700 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
10171400
|
|
|
1239960
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
|||||||||||||||||
|
1246483
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FCRE0044
|
2026-07-16 20:21
|
2026-07-27 11:57
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Upon further review, file contained all credit inquiry requirements. - Due Diligence Vendor-07/27/2026
Ready for Review-Condition document submitted - Seller-07/24/2026
Open-LOX for credit inquiries is missing. Guidelines require a signed letter of explanation detailing the date, the creditor, the reason
for the inquiry, and the outcome. This must be provided in the file to meet guidelines. - Due Diligence Vendor-07/17/2026
|
Ready for Review-Condition document submitted - Seller-07/24/2026
|
Resolved-Upon further review, file contained all credit inquiry requirements. - Due Diligence Vendor-07/27/2026
|
LTV is less than guideline maximum - Qualifying LTV of 55.42% is less than guideline maximum of 80%.
Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score of 811 is over 20 points greater than the
minimum required score of 720.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10308253
|
|
|
1246483
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FPRO1257
|
2026-07-16 22:12
|
2026-07-27 11:56
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Resolved-Received desk review - Due Diligence Vendor-07/27/2026
Ready for Review-Condition document submitted - Seller-07/24/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU score exceeds 2.5. Guidelines require a
CDA obtained from XXXX to substantiate the appraised value. Additional conditions may apply, pending review. - Due Diligence Vendor-07/17/2026
|
Ready for Review-Condition document submitted - Seller-07/24/2026
|
Resolved-Received desk review - Due Diligence Vendor-07/27/2026
|
LTV is less than guideline maximum - Qualifying LTV of 55.42% is less than guideline maximum of 80%.
Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score of 811 is over 20 points greater than the
minimum required score of 720.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10309803
|
|
|
1247134
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
FCRE2244
|
2026-07-16 10:38
|
2026-07-23 13:56
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Property Does Not Meet Guidelines (credit)
|
Resolved-Received revised appraisal removing comments. Comments were entered in error. - Due Diligence Vendor-07/23/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Open-Property Issues are identified for the property Appraiser commented on page 3 of the appraisal that property does not meet HUD
minimum requirements and needing repairs. Appraiser to comment on what specific repairs are needed and additional findings may apply. - Due Diligence Vendor-07/16/2026
|
Ready for Review-Condition document submitted - Seller-07/22/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
|
Resolved-Received revised appraisal removing comments. Comments were entered in error. - Due Diligence Vendor-07/23/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 819.
LTV is less than guideline maximum - Max LTV 80% and qualifying at 63.09%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10290641
|
|
|
1247134
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
FCOM0013
|
2026-07-15 14:41
|
2026-07-17 13:03
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Disclosure
|
Missing e-Consent
|
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-07/17/2026
Ready for Review-Condition document submitted - Seller-07/16/2026
Open-Missing e-Consent. - Due Diligence Vendor-07/15/2026
|
Ready for Review-Condition document submitted - Seller-07/16/2026
|
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-07/17/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 819.
LTV is less than guideline maximum - Max LTV 80% and qualifying at 63.09%.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10269878
|
|
|
1247134
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
FCRE7375
|
2026-07-16 12:31
|
2026-07-17 11:40
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Borrower
|
Citizenship Does Not Meet Guideline Requirements
|
Waived-Client provided a waiver for citizen status, applied to non material finding with comp factors - Due Diligence Vendor-07/17/2026
Ready for Review-Document Uploaded. Please see attached exception approval as we are going to allow on this file as we have a investor
that this file meets guidleines. please clear - Seller-07/16/2026
Open-Non-permanent resident is an ineligible borrower. XXXX Exception approval per 1008 for non-permanent resident legally present in the
XXXX. Missing exception approval directly from XXXX along with comp factors. Finding to stay open until this is received. - Due Diligence Vendor-07/16/2026
|
Ready for Review-Document Uploaded. Please see attached exception approval as we are going to allow on this file as we have a investor
that this file meets guidleines. please clear - Seller-07/16/2026
|
Waived-Client provided a waiver for citizen status, applied to non material finding with comp factors - Due Diligence Vendor-07/17/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 819.
LTV is less than guideline maximum - Max LTV 80% and qualifying at 63.09%.
|
PITI reduced by $1,497.38: Rate lowered 1.375%: LTV 65%: DTI 32%: Minimal monthly consumer debt $66: Credit Fico 819
24 Months Reserves: $8,681.77 monthly residual income
Stable Income and employment 7 year & 9 months (hire date 9/18/2018)
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
Investor Post-Close
|
No
|
10293584
|
|
1247271
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
|||||||||||||||||
|
1249511
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-17 11:36
|
2026-07-22 10:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Borrower 1 UDM - Due Diligence Vendor-07/22/2026
Ready for Review-Condition document submitted - Seller-07/20/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2026
|
Ready for Review-Condition document submitted - Seller-07/20/2026
|
Resolved-Received Borrower 1 UDM - Due Diligence Vendor-07/22/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 752.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10323423
|
|
|
1249511
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5783
|
2026-07-17 11:36
|
2026-07-22 10:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Received Borrower 2 UDM - Due Diligence Vendor-07/22/2026
Ready for Review-Condition document submitted - Seller-07/20/2026
Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2026
|
Ready for Review-Condition document submitted - Seller-07/20/2026
|
Resolved-Received Borrower 2 UDM - Due Diligence Vendor-07/22/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 60%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 752.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10323424
|
|
|
1249836
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Closed
|
FPRO1253
|
2026-07-17 14:40
|
2026-07-27 11:16
|
Resolved
|
1 - Information
|
D
|
A
|
Property
|
Missing Doc
|
Secondary Valuation or Additional Valuation has not been entered per securitization requirements
|
Resolved-Received XXXX UCDP resubmission XXXX with supports valuation with LCA 2 - Due Diligence Vendor-07/27/2026
Ready for Review-Condition document submitted - Seller-07/23/2026
Open-Additional valuation product has not been provided. LCA SSR Report in file is dated XXXX. Most recent appraisal revision date is
XXXX. Missing most recent LCA SSR Report with score of 2.5 or less to support. Additional findings may apply.
- Due Diligence Vendor-07/17/2026
|
Ready for Review-Condition document submitted - Seller-07/23/2026
|
Resolved-Received XXXX UCDP resubmission XXXX with supports valuation with LCA 2 - Due Diligence Vendor-07/27/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual income = $11,423.79; minimum required NONE
Credit history exceeds minimum required - Credit History = 406 Months Minimum Credit History = 12 Months
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10330824
|
|
|
1249836
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Closed
|
FCRE5786
|
2026-07-17 15:12
|
2026-07-27 11:14
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Incomplete
|
Resolved-Received rebuttal, upon further review, Credit refresh/UDM can be one bureau or 3. - Due Diligence Vendor-07/27/2026
Ready for Review-Condition document submitted - Seller-07/23/2026
Open-Borrower 1 Gap Credit Report is Partially Present. Refresh dated XXXX is TU only and shows Frozen delivered with exemption. UDM on
Fraud dated XXXX shows XPN and TU where TU is frozen. Missing Refresh/UDM with all 3 bureaus available (including the missing equifax bureau). Additional findings may apply.
- Due Diligence Vendor-07/17/2026
|
Ready for Review-Condition document submitted - Seller-07/23/2026
|
Resolved-Received rebuttal, upon further review, Credit refresh/UDM can be one bureau or 3. - Due Diligence Vendor-07/27/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual income = $11,423.79; minimum required NONE
Credit history exceeds minimum required - Credit History = 406 Months Minimum Credit History = 12 Months
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10332696
|
|
|
1249836
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Closed
|
finding-3532
|
2026-07-16 17:09
|
2026-07-24 08:40
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Initial Closing Disclosure Delivery Date Test
|
Resolved-Received copy of signed CD. Finding Resolved. - Due Diligence Vendor-07/24/2026
Ready for Review-Condition document submitted - Seller-07/23/2026
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii)
)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six
business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial
closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided,
of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays)
before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than
three business days before consummation. ----- Initial CD XXXX-1 is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years-
Expiration date is XXXX. - Due Diligence Vendor-07/16/2026
|
Ready for Review-Condition document submitted - Seller-07/23/2026
|
Resolved-Received copy of signed CD. Finding Resolved. - Due Diligence Vendor-07/24/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual income = $11,423.79; minimum required NONE
Credit history exceeds minimum required - Credit History = 406 Months Minimum Credit History = 12 Months
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10303295
|
|
|
1249861
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1206
|
2026-07-20 08:16
|
2026-08-05 10:06
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
All Interested Parties Not Checked with Exclusionary Lists
|
Resolved-Received confirmation originator is not seller servicer. - Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/04/2026
Counter-Fraud Report provided, however guidelines require the XXXX Exclusionary List (if the Seller is a XXXX approved Seller/Servicer
with access to such list) Finding remains. - Due Diligence Vendor-08/03/2026
Ready for Review-Condition document submitted - Seller-07/30/2026
Counter-Tracking # provided. Finding remains. - Due Diligence Vendor-07/23/2026
Ready for Review-TRACKING XXXX - Seller-07/22/2026
Open-All Interested Parties Not Checked with Exclusionary Lists Loan participants are not checked against XXXX watchlists. - Due Diligence
Vendor-07/20/2026
|
Ready for Review-Condition document submitted - Seller-08/04/2026
Ready for Review-Condition document submitted - Seller-07/30/2026
Ready for Review-TRACKING XXXX - Seller-07/22/2026
|
Resolved-Received confirmation originator is not seller servicer. - Due Diligence Vendor-08/05/2026
|
Months Reserves exceed minimum required - 127 months of reserves exceeds the 8.97 months minimum required.
Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score of 740 is over 20 points greater than the
minimum required score of 680.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10348278
|
|
|
1255439
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0970
|
2026-07-20 10:32
|
2026-07-29 12:18
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Appraisal has issues (credit)
|
Resolved-Received revised appraisal reflecting correct foundation type of crawl space. - Due Diligence Vendor-07/29/2026
Ready for Review-Condition document submitted - Seller-07/28/2026
Counter-Received rebuttal. Missing appraisers commentary regarding slab foundation or crawl space as noted on LCA. Must meet Freddie Mac
appraisal reporting guidelines and discrepancy to be addressed. - Due Diligence Vendor-07/27/2026
Ready for Review-After reviewing the appraisal, it does appear that part of this home is on a crawl space and some of the home is on a
slab. The property foundation description is partially correct with it being on a slab, and whether it is on a slab or crawl space, it doesn’t affect the FMV that the appraiser and CDA agreed upon value.
When you review the Grid adjustments (neg/positive), the appraiser makes no adjustments to the comparables having crawl space and the
subject having a slab. When you review the comp photos you can see that these homes do have crawl space, and still no adjustments from the appraiser. When you review collateral Underwriter by XXXX, you can see that the adjustments page,
makes no model adjustments for Crawl Space vs Slab. Please clear this condition - XXXX - Seller-07/23/2026
Open-Appraiser notes subject was built in XXXX with concrete slab foundation. XXXX LCA reports subject's foundation is crawl space from
numerous previous appraisals (XXXX). Appraiser to comment/verify the subject's foundation and apply any necessary grid adjustments. Additional conditions may apply, pending review. - Due Diligence Vendor-07/20/2026
|
Ready for Review-Condition document submitted - Seller-07/28/2026
Ready for Review-After reviewing the appraisal, it does appear that part of this home is on a crawl space and some of the home is on a
slab. The property foundation description is partially correct with it being on a slab, and whether it is on a slab or crawl space, it doesn’t affect the FMV that the appraiser and CDA agreed upon value.
When you review the Grid adjustments (neg/positive), the appraiser makes no adjustments to the comparables having crawl space and the
subject having a slab. When you review the comp photos you can see that these homes do have crawl space, and still no adjustments from the appraiser. When you review collateral Underwriter by XXXX, you can see that the adjustments page,
makes no model adjustments for Crawl Space vs Slab. Please clear this condition - XXXX - Seller-07/23/2026
|
Resolved-Received revised appraisal reflecting correct foundation type of crawl space. - Due Diligence Vendor-07/29/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 27.34%; max DTI 49.99%
LTV is less than guideline maximum - Qualifying LTV 64.706%; max LTV 80%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10351039
|
|
|
1255439
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE4805
|
2026-07-20 11:09
|
2026-07-29 12:10
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Trust/POA Does Not Meet Guideline Requirements
|
Resolved-Received Trust Cert. - Due Diligence Vendor-07/29/2026
Ready for Review-Condition document submitted - Seller-07/28/2026
Open-Trust/POA Does Not Meet Guideline Requirements Deed vested in a trust. No trust docs are in the file. Missing trust documentation to
satisfy XXXXs Section 2.04 and XXXX 5103.5 and all applicable subsections. Additional findings may apply.
- Due Diligence Vendor-07/20/2026
|
Ready for Review-Condition document submitted - Seller-07/28/2026
|
Resolved-Received Trust Cert. - Due Diligence Vendor-07/29/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 27.34%; max DTI 49.99%
LTV is less than guideline maximum - Qualifying LTV 64.706%; max LTV 80%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10352042
|
|
|
1257759
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
|||||||||||||||||
|
1263360
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1202
|
2026-07-27 16:05
|
2026-08-04 09:59
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Third Party Fraud Report Partially Provided
|
Resolved-Received Full Fraud Report. - Due Diligence Vendor-08/04/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Third Party Fraud Report Partially Provided File contains only the XXXX Final Check. Lender to provide full fraud report. Additional
conditions may apply, pending review. - Due Diligence Vendor-07/27/2026
|
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received Full Fraud Report. - Due Diligence Vendor-08/04/2026
|
Months Reserves exceed minimum required - An additional 31 months reserves available.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 778.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10476675
|
|
|
1263360
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-24 18:11
|
2026-08-04 09:55
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received UDM for both borrowers. - Due Diligence Vendor-08/04/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Borrower 1 Gap Credit Report is Missing for both borrowers. - Due Diligence Vendor-07/24/2026
|
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received UDM for both borrowers. - Due Diligence Vendor-08/04/2026
|
Months Reserves exceed minimum required - An additional 31 months reserves available.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 778.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10460186
|
|
|
1277542
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1201
|
2026-07-28 10:05
|
2026-08-11 10:25
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Third Party Fraud Report not Provided
|
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-08/11/2026
Ready for Review-Condition document submitted - Seller-08/10/2026
Open-Missing Third Party Fraud Report File includes XXXX Connect only. Additional findings may apply. - Due Diligence Vendor-07/28/2026
|
Ready for Review-Condition document submitted - Seller-08/10/2026
|
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-08/11/2026
|
LTV is less than guideline maximum - 54.93% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 38.45% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10489489
|
|
|
1277542
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3939
|
2026-07-27 12:13
|
2026-08-07 16:00
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
ComplianceEase
|
TRID Rate Lock Disclosure Delivery Date Test
|
Resolved-Located LE XXXX. Finding Resolved. - Due Diligence Vendor-08/07/2026
Ready for Review-Condition document submitted - Seller-08/07/2026
Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised
interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. ----Disclosure advising borrower of revised
interest rate and any interest rate dependent charges was not delivered within three business days after the interest rate was locked. Statute of Limitations - 3 Years, expiration date XXXX
- Due Diligence Vendor-07/27/2026
|
Ready for Review-Condition document submitted - Seller-08/07/2026
|
Resolved-Located LE XXXX. Finding Resolved. - Due Diligence Vendor-08/07/2026
|
LTV is less than guideline maximum - 54.93% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 38.45% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10471250
|
|
|
1279793
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0044
|
2026-07-30 14:54
|
2026-08-05 09:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Received LOE regarding all inquiries. - Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/04/2026
Counter-LOE for inquiries on XXXX provided, however we are missing an LOE for the inquiries on XXXX reporting on the credit report dated
XXXX - Due Diligence Vendor-08/03/2026
Ready for Review-Condition document submitted - Seller-07/30/2026
Ready for Review-Uploaded LOE for credit inquiries. - Seller-07/30/2026
Open-LOX for credit inquiries is missing. Provide credit inquiry letter of explanation. - Due Diligence Vendor-07/30/2026
|
Ready for Review-Condition document submitted - Seller-08/04/2026
Ready for Review-Condition document submitted - Seller-07/30/2026
Ready for Review-Uploaded LOE for credit inquiries. - Seller-07/30/2026
|
Resolved-Received LOE regarding all inquiries. - Due Diligence Vendor-08/05/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 777.
Months Reserves exceed minimum required - An additional 3 months reserves available.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10544076
|
|
|
1279793
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-30 14:13
|
2026-08-03 10:43
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Borrower 1 UDM - Due Diligence Vendor-08/03/2026
Ready for Review-Condition document submitted - Seller-07/30/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/30/2026
|
Ready for Review-Condition document submitted - Seller-07/30/2026
|
Resolved-Received Borrower 1 UDM - Due Diligence Vendor-08/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 777.
Months Reserves exceed minimum required - An additional 3 months reserves available.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10542522
|
|
|
1279793
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5783
|
2026-07-30 14:13
|
2026-08-03 10:43
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Received Borrower 2 UDM - Due Diligence Vendor-08/03/2026
Ready for Review-Condition document submitted - Seller-07/30/2026
Ready for Review-Uploaded B2 XXXX - Seller-07/30/2026
Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/30/2026
|
Ready for Review-Condition document submitted - Seller-07/30/2026
Ready for Review-Uploaded B2 XXXX - Seller-07/30/2026
|
Resolved-Received Borrower 2 UDM - Due Diligence Vendor-08/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 777.
Months Reserves exceed minimum required - An additional 3 months reserves available.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10542523
|
|
|
1281371
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3625
|
2026-07-29 14:14
|
2026-08-07 10:08
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test
|
Resolved-Received PCCD XXXX removing fee from Section B. Finding Resolved. - Due Diligence Vendor-08/07/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan
contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an
itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or
mortgage broker. -----Tax Service Fee in section B is payable to Lender, however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post
close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-07/29/2026
|
Ready for Review-Condition document submitted - Seller-08/06/2026
|
Resolved-Received PCCD XXXX removing fee from Section B. Finding Resolved. - Due Diligence Vendor-08/07/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 36.27%; max DTI 49.99%
Months Reserves exceed minimum required - Qualifying reserves 39.13 months; minimum reserves required 12.00 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10518361
|
|
|
1281371
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1347
|
2026-07-30 12:13
|
2026-08-05 09:22
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 3rd Party VOE Prior to Close Missing
|
Resolved-Received preclose voe for b2 within 10bz days of note dated XXXX. - Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for B2. E-mail VOE from employer does not provide the title of the
individual who verified the borrower's employer [XXXX 5302.2(d)]. - Due Diligence Vendor-07/30/2026
|
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received preclose voe for b2 within 10bz days of note dated XXXX. - Due Diligence Vendor-08/05/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 36.27%; max DTI 49.99%
Months Reserves exceed minimum required - Qualifying reserves 39.13 months; minimum reserves required 12.00 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10539187
|
|
|
1281371
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE5790
|
2026-07-30 12:21
|
2026-08-05 09:20
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)
|
Resolved-Received Gap dated XXXX- Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). UDM's provided for both borrowers are
dated XXXX and exceed 10 days from closing. Additional findings may apply. - Due Diligence Vendor-07/30/2026
|
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received Gap dated XXXX - Due Diligence Vendor-08/05/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 36.27%; max DTI 49.99%
Months Reserves exceed minimum required - Qualifying reserves 39.13 months; minimum reserves required 12.00 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10539573
|
|
|
1281701
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
|||||||||||||||||
|
1282415
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1206
|
2026-07-30 20:53
|
2026-08-05 10:01
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
All Interested Parties Not Checked with Exclusionary Lists
|
Resolved-Upon further review, vested Trust is not required to included in exclusionary search. - Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/04/2026
Open-All Interested Parties Not Checked with Exclusionary Lists The trust being vested on the property was not checked against
OFAC/exclusionary lists. - Due Diligence Vendor-07/31/2026
|
Ready for Review-Condition document submitted - Seller-08/04/2026
|
Resolved-Upon further review, vested Trust is not required to included in exclusionary search. - Due Diligence Vendor-08/05/2026
|
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 32.48%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 and qualifying at 803.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10549346
|
|
|
1284342
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-31 18:31
|
2026-08-19 13:27
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Received housing history - Due Diligence Vendor-08/11/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending due to housing history. Must verify
a 24 month housing history with First time home buyers. - Due Diligence Vendor-07/31/2026
|
Resolved-Received housing history - Due Diligence Vendor-08/11/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.71
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10571615
|
||
|
1284342
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1440
|
2026-07-31 18:17
|
2026-08-11 10:44
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received 24 month payment history. 0x30 - Due Diligence Vendor-08/11/2026
Ready for Review-Condition document submitted - Seller-08/10/2026
Counter-Received rebuttal. GL 7.14 states At least one borrower to have 24 mo rental history. 7.15 states that FTHB with late payments in
previous 24mo are ineligible. Received 30 page XXXX statements for period XXXX showing semi monthly payments of $2125 for rent of $4250/mo. Rent history still incomplete. File presented statements from same acct from XXXX The May statement
from XXXX is missing .(rental pay history table for additional details) - Due Diligence Vendor-08/10/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
Counter-Rebuttal provided, in addition to 7.14 of the guidelines, 7.15 states First-time home buyers with late rental payments in the
previous 24 months are ineligible for purchase. Finding remains. - Due Diligence Vendor-08/04/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Housing History Does Not Meet Guideline Requirements Provide documentation supporting a 24 month rental history as borrowers are
FTHB. Only 13 months of bank statements were provided. - Due Diligence Vendor-07/31/2026
|
Ready for Review-Condition document submitted - Seller-08/10/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received 24 month payment history. 0x30 - Due Diligence Vendor-08/11/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.71
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10571497
|
|
|
1284342
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-31 18:17
|
2026-08-11 10:44
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received -Borrower 1 Gap Credit Report - Due Diligence Vendor-08/04/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-07/31/2026
|
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received -Borrower 1 Gap Credit Report - Due Diligence Vendor-08/04/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.71
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10571498
|
|
|
1284342
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE5783
|
2026-07-31 18:17
|
2026-08-11 10:44
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-08/04/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-07/31/2026
|
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-08/04/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.71
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10571499
|
|
|
1284342
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1148
|
2026-07-31 16:52
|
2026-08-04 12:07
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Title Coverage is Less than Subject Lien(s) Total
|
Resolved-Received Closing Instructions. - Due Diligence Vendor-08/04/2026
Ready for Review-Condition document submitted - Seller-08/03/2026
Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide a Title Supplement showing
sufficient Title coverage in the amount of the note - Due Diligence Vendor-07/31/2026
|
Ready for Review-Condition document submitted - Seller-08/03/2026
|
Resolved-Received Closing Instructions. - Due Diligence Vendor-08/04/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.71
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10570355
|
|
|
1284342
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-07-31 09:17
|
2026-07-31 11:38
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/31/2026
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/31/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.71
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10559248
|
||
|
1285039
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-08-03 09:09
|
2026-08-12 10:13
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/07/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing an acceptable VOR provided by an
unrelated professional property management company or cancelled checks and/or supporting bank statements for borrowers' prior residence that was leased for 6 months per 1003. Rental history required to meet 0x30x12 guideline requirement.
Additional findings may apply. - Due Diligence Vendor-08/03/2026
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/07/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757
LTV is less than guideline maximum - Required is 80 Borrower has 69.71
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
10591145
|
||
|
1285039
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-08-03 08:58
|
2026-08-07 16:21
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Waived-Originator exception granted, waiver applied with comp factors. Deemed non material due to borrower has documented 24months
mortgage payments on the credit report prior to the rental.
- Due Diligence Vendor-08/07/2026
Ready for Review-Document Uploaded. Please exception approval and clear the condition - Seller-08/06/2026
Ready for Review-Condition document submitted - Seller-08/05/2026
Counter-Received pushback. Since borrowers are not FTHB only 12 mo are required by 7.15 & 7.15. 1003 reflects 1mo at current XXXX and
is satisfied by supplement dated XXXX. 11 months housing history still needed: 1003 reflects rented at XXXX VOR missing and VOM for previous residence at XXXX will also be required to complete the timeframe required by the GL. - Due
Diligence Vendor-08/05/2026
Ready for Review-After review of the file, we have determined that this Borrower has sufficient housing payment history to meet our
guidelines. The Borrower is not a first time homebuyer. He owned his prior primary for 3 years, rented for 6 months while building his current primary (that is being refinanced), and now lives in his newly constructed home. He has a 12
month mortgage payment history on the loan we are paying off so he meets our 0x30x12 requirement. Additional rental history is not required in this scenario. Please waive this condition based on this. - Seller-08/04/2026
Open-Housing History Does Not Meet Guideline Requirements Missing an acceptable VOR provided by an unrelated professional property
management company or cancelled checks and/or supporting bank statements for borrowers' prior residence that was leased for 6 months per 1003. Rental history required to meet 0x30x12 guideline requirement. Additional findings may apply. -
Due Diligence Vendor-08/03/2026
|
Ready for Review-Document Uploaded. Please exception approval and clear the condition - Seller-08/06/2026
Ready for Review-Condition document submitted - Seller-08/05/2026
Ready for Review-After review of the file, we have determined that this Borrower has sufficient housing payment history to meet our
guidelines. The Borrower is not a first time homebuyer. He owned his prior primary for 3 years, rented for 6 months while building his current primary (that is being refinanced), and now lives in his newly constructed home. He has a 12
month mortgage payment history on the loan we are paying off so he meets our 0x30x12 requirement. Additional rental history is not required in this scenario. Please waive this condition based on this. - Seller-08/04/2026
|
Waived-Originator exception granted, waiver applied with comp factors. Deemed non material due to borrower has documented 24months
mortgage payments on the credit report prior to the rental.
- Due Diligence Vendor-08/07/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757
LTV is less than guideline maximum - Required is 80 Borrower has 69.71
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
Originator Post-Close
|
Yes
|
10590992
|
|
|
1287854
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1255
|
2026-08-03 17:22
|
2026-08-10 09:09
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Other Property Insurance Policy Missing
|
Resolved-Received re tax calculations for subject. - Due Diligence Vendor-08/10/2026
Ready for Review-Condition document submitted - Seller-08/07/2026
Counter-Received confirmation Other is City Tax. Please provide calculation for total annual tax estimate of XXXX - Due Diligence
Vendor-08/07/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
Open-Other property insurance or other property expense of XXXX annual (XXXX/month) as stated on 1008 and in AUS is unknown and
documentation is missing. Audit used this amount to qualify in the PITI - Due Diligence Vendor-08/03/2026
|
Ready for Review-Condition document submitted - Seller-08/07/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
|
Resolved-Received re tax calculations for subject. - Due Diligence Vendor-08/10/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.91
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774
LTV is less than guideline maximum - Required is 80 Borrower has 63.86
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10604825
|
|
|
1287854
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1201
|
2026-08-03 17:44
|
2026-08-10 08:59
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Third Party Fraud Report not Provided
|
Resolved-Received fraud report. - Due Diligence Vendor-08/10/2026
Ready for Review-Condition document submitted - Seller-08/07/2026
Counter-Received fraud clearance. Please provide corresponding fraud report. - Due Diligence Vendor-08/07/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
Open-Missing Third Party Fraud Report All high alerts must be addressed and parties to be searched. - Due Diligence Vendor-08/03/2026
|
Ready for Review-Condition document submitted - Seller-08/07/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
|
Resolved-Received fraud report. - Due Diligence Vendor-08/10/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.91
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774
LTV is less than guideline maximum - Required is 80 Borrower has 63.86
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10605154
|
|
|
1287854
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-08-03 16:38
|
2026-08-07 09:20
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/07/2026
Ready for Review-Condition document submitted - Seller-08/06/2026
Counter-Received exhibit a- legal description only. Please provide evidence complete security instrument inclusive of legal description
was sent to recording.
- Due Diligence Vendor-08/06/2026
Ready for Review-Condition document submitted - Seller-08/05/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. The legal
description provided in the file is for title. - Due Diligence Vendor-08/03/2026
|
Ready for Review-Condition document submitted - Seller-08/06/2026
Ready for Review-Condition document submitted - Seller-08/05/2026
|
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/07/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.91
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774
LTV is less than guideline maximum - Required is 80 Borrower has 63.86
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10603845
|
|
|
1287854
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
finding-47
|
2026-08-03 13:46
|
2026-08-06 10:45
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Right to Rescind
|
TILA Right of Rescission Test
|
Resolved-ROR is not required on new construction Refi. Appraisal shows property built in XXXX, and is vacant. Finding Resolved. - Due
Diligence Vendor-08/05/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ),
Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day
following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -------Provide the executed Right of Recission. - Due Diligence Vendor-08/03/2026
|
Resolved-ROR is not required on new construction Refi. Appraisal shows property built in XXXX, and is vacant. Finding Resolved. - Due
Diligence Vendor-08/05/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.91
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774
LTV is less than guideline maximum - Required is 80 Borrower has 63.86
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10599506
|
||
|
1287854
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
finding-3532
|
2026-08-03 13:46
|
2026-08-06 10:45
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Initial Closing Disclosure Delivery Date Test
|
Resolved-Received copy of borrower's received. Finding Resolved. - Due Diligence Vendor-08/06/2026
Ready for Review-Condition document submitted - Seller-08/05/2026
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii)
)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six
business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial
closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided,
of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays)
before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than
three business days before consummation. ------ Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years-
Expiration date is XXXX. - Due Diligence Vendor-08/03/2026
|
Ready for Review-Condition document submitted - Seller-08/05/2026
|
Resolved-Received copy of borrower's received. Finding Resolved. - Due Diligence Vendor-08/06/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.91
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774
LTV is less than guideline maximum - Required is 80 Borrower has 63.86
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10599507
|
|
|
1287854
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM1262
|
2026-08-03 13:24
|
2026-08-05 15:34
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Right of Rescission is Missing
|
Resolved-ROR is not required on New construction loan refinance. Finding Resolved. - Due Diligence Vendor-08/05/2026
Ready for Review-This loan is paying off a construction loan so no right of rescission is required. - Seller-08/05/2026
Open-Right of Rescission is Missing Provide the executed Right of Recission. - Due Diligence Vendor-08/03/2026
|
Ready for Review-This loan is paying off a construction loan so no right of rescission is required. - Seller-08/05/2026
|
Resolved-ROR is not required on New construction loan refinance. Finding Resolved. - Due Diligence Vendor-08/05/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.91
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774
LTV is less than guideline maximum - Required is 80 Borrower has 63.86
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10598749
|
|
|
1287854
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM5135
|
2026-08-03 13:24
|
2026-08-05 15:34
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-08/05/2026
Ready for Review-Condition document submitted - Seller-08/05/2026
Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly.
Additional Findings may apply upon receipt.
- Due Diligence Vendor-08/03/2026
|
Ready for Review-Condition document submitted - Seller-08/05/2026
|
Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-08/05/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.91
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774
LTV is less than guideline maximum - Required is 80 Borrower has 63.86
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10598750
|
|
|
1288895
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-08-04 20:08
|
2026-08-11 16:36
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Lender excluded the overtime income for b2 - Due Diligence Vendor-08/11/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing letter of explanation from B2 for
63.38% decrease in Overtime from 2025 to YTD and for YTD average being less than the average in 2024. Income used but is not needed for qualifying with updated LPA if removed. Additional findings may apply.
- Due Diligence Vendor-08/05/2026
|
Resolved-Lender excluded the overtime income for b2 - Due Diligence Vendor-08/11/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 805
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.74
LTV is less than guideline maximum - Required is 80 Borrower has 59.13
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10628189
|
||
|
1288895
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8887
|
2026-08-05 12:53
|
2026-08-11 16:33
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing or Incomplete 1003
|
Resolved-Received revised 1003 and Processor Certification. - Due Diligence Vendor-08/11/2026
Ready for Review-Condition document submitted - Seller-08/10/2026
Open- Per B1's 1003 borrower was employed with the previous employer through XXXX despite starting with their current employer XXXX and
there is no 2025 W2 from the previous employer. Lender to clarify if job history is inaccurate and provide the missing 2025 W2 from prior employer if applicable. - Due Diligence Vendor-08/05/2026
|
Ready for Review-Condition document submitted - Seller-08/10/2026
|
Resolved-Received revised 1003 and Processor Certification. - Due Diligence Vendor-08/11/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 805
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.74
LTV is less than guideline maximum - Required is 80 Borrower has 59.13
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10644259
|
|
|
1288895
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1306
|
2026-08-04 19:56
|
2026-08-11 16:28
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Income 3 Income Trend is Decreasing
|
Resolved-Received updated 1008, 1003, LPA and calculation. Overtime income has been removed. - Due Diligence Vendor-08/11/2026
Ready for Review-Condition document submitted - Seller-08/10/2026
Open-Income 3 Income Trend is Decreasing Missing letter of explanation from B2 for 63.38% decrease in Overtime from 2025 to YTD and for
YTD average being less than the average in 2024. Income used but is not needed for qualifying with updated LPA if removed. Additional findings may apply. - Due Diligence Vendor-08/04/2026
|
Ready for Review-Condition document submitted - Seller-08/10/2026
|
Resolved-Received updated 1008, 1003, LPA and calculation. Overtime income has been removed. - Due Diligence Vendor-08/11/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 805
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.74
LTV is less than guideline maximum - Required is 80 Borrower has 59.13
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10627956
|
|
|
1291080
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE8000
|
2026-08-05 16:31
|
2026-08-18 09:46
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc - Credit
|
Property 1: HOA documentation missing
|
Resolved-Received HOA verification. Guidelines do not require a payment history for HOA's. - Due Diligence Vendor-08/18/2026
Ready for Review-Document Uploaded. Please see the exception request and clear the condition - Seller-08/17/2026
Open-Provide HOA documentation for REO 3b from the loan application to confirm monthly on-time payments. - Due Diligence Vendor-08/05/2026
|
Ready for Review-Document Uploaded. Please see the exception request and clear the condition - Seller-08/17/2026
|
Resolved-Received HOA verification. Guidelines do not require a payment history for HOA's. - Due Diligence Vendor-08/18/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787
LTV is less than guideline maximum - Required is 80 Borrower has 28
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10649265
|
|
|
1291080
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1302
|
2026-08-05 10:40
|
2026-08-05 10:40
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Disclosure
|
Home Loan Toolkit Not Provided Within 3 Days of Application Date
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver
applied to non-material findings - Due Diligence Vendor-08/05/2026
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver
applied to non-material findings - Due Diligence Vendor-08/05/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787
LTV is less than guideline maximum - Required is 80 Borrower has 28
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10640777
|
||
|
1296482
|
XXXX
|
XXXX
|
XXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-08-06 13:01
|
2026-08-06 13:55
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence
Vendor-08/06/2026
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence
Vendor-08/06/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has 27.38
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 761
LTV is less than guideline maximum - Required is 80 Borrower has 60
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10668654
|