|
Client Name:
|
||||||
|
Client Project Name:
|
SEMT 2026-13
|
|||||
|
Start - End Dates:
|
5/19/2026 - 9/23/2026
|
|||||
|
Deal Loan Count:
|
380
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
380
|
|||||
|
Loans with Conditions:
|
277
|
|||||
|
0 - Total Active Conditions
|
||||||
|
517 - Total Satisfied Conditions
|
||||||
|
176 - Credit Review Scope
|
||||||
|
4 - Category: Application
|
||||||
|
21 - Category: Assets
|
||||||
|
19 - Category: Credit/Mtg History
|
||||||
|
25 - Category: DTI
|
||||||
|
38 - Category: Income/Employment
|
||||||
|
12 - Category: Insurance
|
||||||
|
14 - Category: Legal Documents
|
||||||
|
37 - Category: Terms/Guidelines
|
||||||
|
6 - Category: Title
|
||||||
|
26 - Property Valuations Review Scope
|
||||||
|
19 - Category: Appraisal
|
||||||
|
3 - Category: FEMA
|
||||||
|
3 - Category: Property
|
||||||
|
1 - Category: Value
|
||||||
|
315 - Compliance Review Scope
|
||||||
|
36 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
18 - Category: Compliance Manual
|
||||||
|
7 - Category: Documentation
|
||||||
|
4 - Category: Finance Charge Tolerance
|
||||||
|
12 - Category: RESPA
|
||||||
|
13 - Category: Right of Rescission
|
||||||
|
6 - Category: State Consumer Protection
|
||||||
|
4 - Category: Texas Home Equity
|
||||||
|
215 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
40 - Total Waived Conditions
|
||||||
|
26 - Credit Review Scope
|
||||||
|
1 - Category: Application
|
||||||
|
3 - Category: Assets
|
||||||
|
2 - Category: Credit/Mtg History
|
||||||
|
8 - Category: Income/Employment
|
||||||
|
3 - Category: Insurance
|
||||||
|
1 - Category: Re-Verifications
|
||||||
|
8 - Category: Terms/Guidelines
|
||||||
|
3 - Property Valuations Review Scope
|
||||||
|
1 - Category: Appraisal
|
||||||
|
2 - Category: Property
|
||||||
|
11 - Compliance Review Scope
|
||||||
|
1 - Category: Compliance Manual
|
||||||
|
7 - Category: RESPA
|
||||||
|
3 - Category: Right of Rescission
|
||||||
|
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and
the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||||
|
Client Name:
|
||||||||||||||||||||||||||||||||||||
|
Client Project Name:
|
SEMT 2026-13
|
|||||||||||||||||||||||||||||||||||
|
Start - End Dates:
|
5/19/2026 - 9/23/2026
|
|||||||||||||||||||||||||||||||||||
|
Deal Loan Count:
|
380
|
|||||||||||||||||||||||||||||||||||
|
Conditions Report 2.0
|
||||||||||||||||||||||||||||||||||||
|
Loans in Report:
|
380
|
|||||||||||||||||||||||||||||||||||
|
Loans with Conditions:
|
277
|
|||||||||||||||||||||||||||||||||||
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
801071
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in current profession.
|
|||||||||||||||
|
800003
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of missing T/I/A on REO.
|
5.22.XXX Client provided evidence of taxes/insurance supporting the amount of $XXX however XXX. property appears to be land use as XXX
having Unit #XXX, verify if any monthly HOA and to be included in DTI, if applicable. 5.29.XXX Client provided updated 1003/1008 and DU #6 submission with including monthly HOA of $XXX for XXX property for an updated DTI of XXX % however
documentation supporting the monthly HOA of $XXX was not provided. Condition remains for documentation that supports the $XXX monthly HOA; if exceed $XXX will need to be included in DTI. 6/1 Client provided supporting docs for $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXXyears with current employer.
|
|
800003
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXXyears with current employer.
|
|
800003
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
An amount of $XXX per month for insurance, taxes, and HOA dues for XXX investment property was used in qualifying; however, supporting
documentation was not in the loan file. Provide documentation to verify this amount.
|
5.22.XXX Client provided evidence of taxes/insurance supporting the amount of $XXX however XXX property appears to be land use as XXX
having Unit #XXX, verify if any monthly HOA and to be included in DTI, if applicable. 5.29.XXX Client provided updated 1003/1008 and DU #6 submission with including monthly HOA of $XXX for XXX. property for an updated DTI of XXX% however
documentation supporting the monthly HOA of $XXX was not provided. Condition remains for documentation that supports the $XXX monthly HOA; if exceed $XXX will need to be included in DTI. 6/1 Client provided supporting docs for $XXX
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXXyears with current employer.
|
|
800010
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections F & H are not disclosed on Final CD XXX Seller's CD in file & able to test;
Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of XXX months.
|
|
800712
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum DTI allowed by exception approval of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves. Minimum reserves of $XXX required by exception approval.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
800712
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing documentation verifying monthly HOA dues of $XXX for the borrower's primary residence and verifying monthly HOA
dues/additional expenses of $XXX reported on the file 1003 for an additional property owned located at XXX. Mortgage statement provided in the file shows taxes and insurance are escrowed. Used lender amounts for recalculations.
|
8/11 Client provided prop report for primary residence showing XXX with no HOA dues; and provided supporting docs for $XXX HOA on XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum DTI allowed by exception approval of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves. Minimum reserves of $XXX required by exception approval.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
800712
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
C
|
B
|
C
|
B
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Subject property is XXXminium with XXX total units, of which XXX units are timeshares andXXXare commercial which exceeds the maximum
allowed XXX% investor concentration. An approved exception request was provided in the file.
|
8/27 Client provided an approved exception to allow the file with XXX exceeding investor concentration
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum DTI allowed by exception approval of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves. Minimum reserves of $XXX required by exception approval.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
801070
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
Missing the XXX Acknowledgement of Borrower Rights rider.
|
9.14.XXX Client provided full complete copy of subject Mortgage including executed XXX Borrower rights Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
801069
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Fee increased on CD XXX and Lender Credit decreased on CD XXX without a COC in file.
Condition pending receipt of a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/14/26 Client provided a XXX PCCD, LOE, check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP115
|
XXX CSPA; Closing Disclosure not provided at closing
|
No
|
**XXX Client provided Acknowledgement for the XXX CSPA Document dated XXX. Provide the acknowledgement of the Disclosure provided at
closing.
|
08/26/26 Client provided the XXX Closing Disclosure provided at Closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX%
|
|
800732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
XXX CSPA: Missing Home Mortgage Information Document
|
08/21/XXX Client provided Acknowledgement for the XXX CSPA Document. condition remains. Provide the XXX CSPA Acknowledgement of the Right
not Close Disclosure that was provided to the applicant at initial Disclosure.08/26/26 Client provided the Acknowledgment delivered with the initial disclosures.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX%
|
|
800732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1770
|
XXX CSPA; Required Closing Disclosure not provided to borrower
|
No
|
XXX CSPA: Missing Required Closing Disclosure
|
08/21/2026 Client provided Acknowledgement for the XXX CSPA Document dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX%
|
|
800732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX%
|
|
800732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Insufficient # of months cash reservesfor PITIA per guideline requirements Post Close Assets are $ XXX or XXXmonths PITIA Guidelines
require XXX months or $ XXX X XXX = $ XXX + XXX additional months for XXX ( $ XXX X XXX = $ XXX)
|
8.27.2026 Client provided 3 months business bank statement w/XXX Bank #XXX with additional verified assets of $XXX and provided SOS to
verify Borrower is owner and appears no income was used from this business: XXX XXX(did not request cash flow analysis). Verified reserves are now $XXX and require reserves $XXXNote date XXX and statement balance XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX%
|
|
801068
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero-tolerance fee violation of $XXX was identified due to the addition of a new Appraisal Fee of $XXX on the CD XXX Missing a valid
Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.
|
08/13/26 Client provided a duplicate copy of a XXX COC. Condition remains. The COC does not reflect a valid reason or explanation for why
an additional Appraisal fee was added on the XXX CD. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery that includes tracking.08/21/2026 Client provided COC 7/6 reflecting Order of CDA Appraisal, increase settlement charges of
$XXX for appraisal fee. Condition remains. Provide the change that occurred resulting in the CDA Appraisal to be ordered after initial disclosure for re-review or PCCD with cure, copy of cure check, LO to borrower and evidence of delivery
via tracking. 08/27/2026 Client provide COC XXX reflecting additional information: XXX requires a CDA appraisal, once the original appraisal came in, the CDA was ordered. Condition remains. Provide evidence/documentation of the date the
original Appraisal was received for re-review. 09/01/26 Client provided Seller response with screenshots showing the Appraisal uploaded/received on XXX. Condition remains. Per the COC, the change that prompted the CDA order was the receipt of
the original Appraisal. In this case, receipt of the Appraisal on XXX does not meet the 3 day timing requirement with re-disclosure on XXX. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery with tracking.09/09/26 Client
provided a XXX PCCD, LOE, check and tracking. Condition remains. Tracking shows only the label has been created. Provide the missing proof of delivery.09/15/26 Client provided the proof of shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
801068
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP4625
|
The orig file does not contain a third party XXX
|
No
|
Missing third party XXX.
|
8.13.2026 Client provided XXX reportNote:XXX Borrower is the seller and quit claimed on Year 2003 to other party.
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
801068
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Missing Closing disclosure for XXX with approximate proceeds of $XXX.
|
8.13.2026 Client provided executed Seller CD for sale of requested property with payoff of existing 1st & 2nd liens and
seller/Borrower netting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
801068
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing lender's 1008.
|
8.13.2026 Client provided Lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800731
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Per XXX Summary & XXX report initial CD was issued XXX. Initial CD not provided. Missing initial CD.
|
08/19/2026 Client provided the missing Initial CD XXX with lock and Discount point increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
800731
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Appraisal Inspection fee $XXX was added to final LE XXX section B. COC issued XXX does not list amount of fee increase or sufficient
details as to why fee was added. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
08/19/2026 Client provided a missing Interim LE 5/29 with COC that has a change date of 5/26 and re-disclosure date of XXX. Also tracking
in file indicates an LE dated XXX provided. Condition remains for the LEXXX which was the 1st LE to be provided with the addition of the Inspection fee for re-review. 08/24/2026 Client provided duplicates of LE XXX with tracking, LE XXX with
COC and Tracking, LE XXX with COC XXX, CD XXX with COC, CD XXX with COC and tracking, signed Final CD XXX and **Disclosure tracking reflecting LE was provided on XXX however, this LE is missing. Condition remains for this LE XXX referenced on
the XXX COC and Disclosure tracking dated XXX and reviewed by the Borrower on XXX.08/25/26 Client provided the missing XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
800733
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history 0x30xXXX
|
|
800733
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund
required within 60 days of consummation.
|
No
|
Survey fee increased from final LE XXX $XXX to initial CD XXX $XXX section C. Increase exceeds allowable XXX% variation. No COC provided
listing fee increase or any details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with increase validated or Post CD reflecting lenders cure, LOX, Refund of $195.88 w/ Proof of Delivery.
|
07/21/26 Client provided a duplicate copy of the XXX COC for the LE / Rate Lock. Condition remains. The Survey Fee increased on the
Initial XXX CD without a valid change in circumstance in file. Fee was paid to the same provider from the SPL, therefore this charge is included in the XXX% testing with the Recording Fee. Borrower is due a refund of $XXX, PCCD with cure, LOE
and proof of delivery that includes tracking information.08/07/26 Client provided an Email from lender stating the Survey company may have been the same company name, but the locations of the individual companies are different. Quote was
based on a company in XXX, whereas the servicing company was based in XXX. Upon review by internal Compliance counsel, the condition remains. Treatment of the same provider name on SSPL but different address, default approach is to treat as
same provider. Consideration that entities are not the same provider will require lender attestation or additional supporting documentation to evidence 1) borrower shopped and selected different provider office location 2) fee variances
result from selection of different provider office.08/27/2026 Client provided PCCD XXX with cure and LOE. Condition remains for the copy of the cure check and evidence of delivery. 08/31/26 Client provided the refund check and tracking
(delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history 0x30xXXX
|
|
801066
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Business funds w XXX XXX of XXX #XXX being used towards reserves, file having XXX and XXX XXX statements Guidelines require XXX
months and cash flow analysis. Borrower is XXX % XXX Provide XXX consecutive month (XXX XXX ), Note date XXX along with cash flow analysis covering these XXX months. Note: if XXX XXX is provided re-calculation of reserves will be required
with most recent balance which would be XXX statement
|
XXX Client provided 3rd consecutive month (XXX) business bank statement for #XXX with a higher balance and provided lender liquidity and
income cash flow analysis however missing XXX months asset cash flow analysis covering these three months (XXX, XXX and XXX XXX) to support having no negative impact to business with use of funds. Condition remains for the XXX months cash
flow analysis. XXX Client provided duplicate (previously sent) business liquidity worksheet however this condition is based on to support using of business income having no negative impact effect with use of funds. Accepting liquidity info
using the XXX months statements supporting sufficient liquidity in which appears to having no effect on business. Cash out refinance, business funds only for reserves.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX % below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline requirements
|
|
801066
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
1120 SXXX in file (Primary Income) however not signed/dated. Provide pg 1 of 1120S to be signed/dated (XXX under extension)
|
XXX Client provided pg 1 of 1120S XXX signed/dated
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX % below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline requirements
|
|
801066
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2642
|
Missing proof that HELOC has been paid and closed to future draws
|
No
|
Subject lien is a HELOC, missing executed by Borrower requesting closure of HELOC
|
9.14.2026 Client provided executed by Borrowers to immediately freeze this HELOC however missing executed by Borrowers requesting CLOSURE
of this HELOC, currently stating to immediately freeze. However with further review, does state please Note: if Borrower intends to close this HELOC account to include signed dated form by Borrowers
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX % below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline requirements
|
|
800729
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Tax returns in file have multiple illegible pages preventing the ability to perform cash flow analysis. Noted XXX results in file, however
reviewer is unable to complete manual review due to illegible pages. Must review one year signed personal tax return, and one year signed business return for the following entities: XXX., XXX, XXX,XXX, XXX, XXX, and XXX. Documentation subject
to further review, additional conditions may apply
|
8/28 Client provided complete two years taxes for each entity
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800729
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund
required within 60 days of consummation.
|
No
|
XXX% tolerance in the amount of $XXX due to Recording Fees increased without a COC in file. Condition pending receipt of a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
0XXX Client provided an XXX PCCD with a $XXX principal reduction for cure, LOE and payment history reflecting the PR deposit.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800729
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Missing page 2 of XXX Bank statement used to verify reserves and source of funds to pay of XXX $XXX. Documentation subject to further
review, additional conditions may apply.
|
8/28 Client provided all pages of XXX bank statement
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800729
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Tax returns in file have multiple illegible pages preventing the ability to perform cash flow analysis. Noted XXX results in file, however
reviewer is unable to complete manual review due to illegible pages. Must review one year signed personal tax return, and one year signed business return for the following entities: XXX., XXX,XXX, XXX, XXX, XXX, and XXX. Documentation subject
to further review, additional conditions may apply.
|
8/28 client provided legible copies of taxes supporting qualifying income
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800729
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXXed borrowers
|
No
|
Missing YTD P&L for XXX.,XXX, XXX, and XXX Guidelines require YTD P&L if Note date is on or after XXX. Requirement may be omitted
if two years tax returns are provided, and no declining income is present. Documentation subject to further review, additional conditions may apply.
|
8/28 Client provided two years taxes for each entity; on review of income, YTD P&Ls are not required
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800729
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Missing third party verification of employment for XXX, XXX, XXX, and XXX
|
8/31 Client provided an approved exception to allow the file without the third party VVOEs
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800730
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with the same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
|
|
800730
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated third-party property valuation product due to LCA not scored. Appraised value of $XXX to be supported.
|
9.3.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with the same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
|
|
801067
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Need evidence of change of circumstances letter for Zero tolerance, Credit Report increase, or a copy of a refund check in the amount of
$XXX, Zero percent tolerance due to increase in Credit Report Fee from $XXX on CD:XXX to $XXX on CD:XXX without valid COC. Requires COC, or corrected PCCD, copy of refund check, LOX and verification of shipping.
|
09/10/26 Client provided a XXX PCCD, check, LOE and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves/ XXX months PITI reserves; $XXX*6= $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800724
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Page 1 of appraisal report has all 3 options checked for subject location; report does not confirm urban, suburban, or rural.
|
9.1.2026 Client provided updated appraisal with correction of subject location as Suburban
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
800727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Missing Income Documents to Support $ XXX/ Month as reflected on 1008
|
8.19.2026 Client provided pg 1 of several (1065, 1120S, business returns signed dated (some business 2023 or 2024 or XXX) 1st pg business
returns, and appears there is 9 businesses between both borrowers are being used for qualifying. Condition remains (a). missing two years personal returns (b). 2 years business returns for all applicable 9 businesses for income calculation
and (c). provide Lender cash flow analysis for each business where income is being used for qualifying. Upon receipt and review, income calculation required and additional documentation maybe required. Note: signed dated 2023/2024 were
provided and XXX pg 1 signed dated was provided for several businesses, however missing applicable XXXed income documentation to determine what is needed. XXX under extension additional conditions will apply. 8.23.2026 Client provided
2024/2023 1040s and provided 2024/2023 and/or XXX/2024 business returns for all applicable business where income or loss is being considered (XXX 1120S or 1065 is only being considered as an end of year XXX P/L vs having end of year XXX P/L)
and provided end of year XXX and YTD 2026 B/S and P/L for businesses, with review of income documents still missing the following: (a). Lender Cash Flow analysis for each borrower and each income and/or loss that is being used for qualifying
(used on Final 1003) and (b). missing documentation to support final 1003 loss of XXXfor business: XXX and (c). missing documentation supporting loss of -$XXX for each borrower with XXX. and (d). XXX extension balance due of $XXX missing
documentation to support payment sent or assets to verify funds to pay and (e). Primary source income w/XXX missing end of year XXX P/L (file have end of year XXX B/S and YTD 2026 P/L and B/S) however missing PL end of year XXX for XXX. Upon
receipt of requested documentation (including Cash flow for each business) income to be finalized. 8.26.2026 Client provided Borrowers LOX regarding XXX tax liability with the filing of extension further stating having until 8.4.2026 to file
returns and make XXX tax payment with no penalties and provided end of year XXX P/L and B/S for Primary source income business: XXX (however is not signed/dated) and provided lender Cash flow analysis for each XXX positive and/or loss used
for qualifying (including the calculation from the end of year XXX P/L and YTD 2026 P/L calculation, using the lessor of for qualifying) however with review of lender income file is missing the following to support lender worksheet (a). MPS55
income of $XXX for each borrower is being used based on YTD XXX P/L with net amount of $XXX; missing signed/dated YTD XXX that supports this and (b). missing signed dated end of year XXX P/L for Primary business: XXX(provided however not
signed dated) and (c). Loss that is being used from XXX(XXX) is also calculated from 2023 1120S business returns (however only XXX/2024 was provided for this business), missing 2023 1120S business returns for XXX and to be signed/dated (which
would support average 2024/2023 loss that is being used) and (d). same for XXX loss of XXX being used for each borrower is calculated using YTD June 2026 P/L, file is missing end of year XXX and YTD 2026 P/L and B/S for this business KM2
Contractors and to be signed/dated. Note: Final 1003 income is supported with lender Cash Flow Analysis considering the lowest of XXX/2024/2023 income and/or YTD 2026 however the requested documentation is missing to support what is being
used on the Cash flow analysis. 8.29.2026 Client provided some of the requested documentation however, see updated condition on file for missing three (3) items that need to be signed/dated.
|
This condition have exceed characters, see updated condition for signed dated previously requested income items. This condition is being
satisfied, see updated condition (XXX) for continuance of this condition.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for
Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC889
|
Income is Not Reasonable
|
No
|
This condition goes with prior updated Income condition: XXX unable to update the prior condition, using this as an update to the prior
condition. Listing the last update (dated XXX) from the prior condition.
|
8.26.2026 Client provided Borrowers LOX regarding XXX tax liability with the filing of extension further stating having until XXX to file
returns and make XXX tax payment with no penalties and provided end of year XXX P/L and B/S for Primary source income business: XXX Inc. (however is not signed/dated) and provided lender Cash flow analysis for each XXXment positive and/or
loss used for qualifying (including the calculation from the end of year XXX P/L and YTD 2026 P/L calculation, using the lessor of for qualifying) however with review of lender income file is missing the following to support lender worksheet
(a). XXX income of $XXX for each borrower is being used based on YTD XXX P/L with net amount of $XXX ; missing signed/dated YTD XXX that supports this and (b). missing signed dated end of year XXX P/L for Primary business: XXX (provided
however not signed dated) and (c). Loss that is being used from XXX(XXX) is also calculated from 2023 1120S business returns (however only XXX/2024 was provided for this business), missing 2023 1120S business returns for XXX and to be
signed/dated (which would support average 2024/2023 loss that is being used) and (d). same for XXX loss of XXX being used for each borrower is calculated using YTD June 2026 P/L, file is missing end of year XXX and YTD 2026 P/L and B/S for
this business XXX and to be signed/dated. Note: Final 1003 income is supported with lender Cash Flow Analysis considering the lowest of XXX/2024/2023 income and/or YTD 2026 however the requested documentation is missing to support what is
being used on the Cash flow analysis. 8.29.2026 Client provided the following documentation: provided 1120S 2023 business returns for XXX supporting the loss that is being used for B2 (however not signed/dated) and provided 1120S XXX and
signed dated along with signed dated B/S sheet supporting loss that was being used for KM2 Contractors and provided YTD XXX P/L supporting income being used for Primary source (XXX) (however YTD XXX P/L not signed dated) and previously
requested signed dated end of year XXX P/L for Primary business (XXX) was not provided. Condition remains for the signed/dated (previously requested income documentation): (a). XXX business: YTD XXX P/L provided (not signed dated) and (b).
XXX business: end of year XXX P/L with showing net income of $XXX(previously provided, requested for this to be signed/dated, was not provided) and (c). XXX 1120S 2023 business returns provided to support loss (however missing signed/dated pg
1). 9.1.2026 Client provided requested signed dated end of year XXX P/L and signed dated YTD June 30, 2026 P/L for business: XXX and provided signed dated pg 1 of 1065 2023
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for
Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS as Required By Guidelines for XXX XXX AUS 30 YR
|
8.19.2026 Client provided DU submission #1 for subject 2nd home however #12 shows Borrower having 1 financed property, this should reflect
as 3 financed properties and #40/41 on DU states primary occupancy for both borrower is inconsistent with the occupancy type of the property, please review for any corrections if applicable. Condition remains for updated DU with these
corrections. 8.23.2026 Client provided an updated 1003 with declarations correction of occupancy however prior update was for DU corrections, updated DU was not provided. DU #12 shows Borrower having 1 financed property, this should reflect
as 3 financed properties and (b). #40/41 on DU states primary occupancy for both borrower is inconsistent with the occupancy type of the property, please review for any corrections if applicable and (c). DTI on DU is XXX% and 1008 DTI is XXX%
(DU to reflect 1003/1008 income or visa versa). Condition remains for updated DU with these corrections. 8.26.2026 Client updated DU #2 with corrections
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for
Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800728
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Missing Income Documents to support $ XXX/ Month as reflected on the DU AUS
|
8.19.2026 Client provided pg 1 of several (1065, 1120S, business returns signed dated (some business 2023 or 2024 or XXX) 1st pg business
returns, and appears there is 9+ businesses between both borrowers are being used for qualifying. Condition remains (a). missing two years personal returns (b). 2 years business returns for all applicable 9 businesses for income calculation
and (c). provide Lender cash flow analysis for each business where income is being used for qualifying. Upon receipt and review, income calculation required and additional documentation maybe required. Note: signed dated 2023/2024 were
provided and XXX pg 1 signed dated was provided for several businesses, however missing applicable XXX income documentation to determine what is needed. XXX under extension additional conditions will apply. 8.23.2026 Client provided 2024/2023
1040s and provided 2024/2023 and/or XXX/2024 business returns for all applicable business where income or loss is being considered (XXX 1120S or 1065 is only being considered as an end of year XXX P/L vs having end of year XXX P/L) and
provided end of year XXX and YTD 2026 B/S and P/L for businesses, with review of income documents still missing the following: (a). Lender Cash Flow analysis for each borrower and each income and/or loss that is being used for qualifying
(used on Final 1003) and (b). missing documentation to support final 1003 loss of XXX for business: XXX and (c). missing documentation supporting loss of XXX for each borrower with XXX, and (d). per XXX extension balance due of $XXX missing
documentation to support payment sent or assets to verify funds to pay and (e). Primary source income w/XXX missing end of year XXX P/L (file have end of year XXX B/S and YTD 2026 P/L and B/S) however missing PL end of year XXX for XXX. Upon
receipt of requested documentation (including Cash flow for each business) income to be finalized. 8.25.2026 Client provided Borrowers LOX regarding XXX tax liability with the filing of extension further stating having until XXX to file
returns and make XXX tax payment with no penalities and provided end of year XXX P/L and B/S for Primary source income business: XXX (however is not signed/dated) and provided lender Cash flow analysis for each XXX positive and/or loss used
for qualifying (including the calculation from the end of year XXX P/L and YTD 2026 P/L calculation, using the lessor of for qualifying) however with review of lender income file is missing the following to support lender worksheet, missing:
(a). XXX income of $XXX for each borrower is being used based on YTD XXX P/L with amount of $XXX divided by XXX months = $XXX for each borrower; missing signed/dated YTD XXXP/L that supports this lowest amount that is being used and (b).
missing signed dated end of year XXX P/L for Primary business: XXX(provided however not signed dated) and (c). Loss that is being used from XXX(XXX) is also calculated from 2023 1120S business returns (only XXX/2024 was provided for this
business), missing 2023 1120S business returns for XXX and to be signed/dated 1120S 2023 (which would support average 2024/2023 loss that is being used) and (d). same for XXX loss of XXX being used for each borrower is calculated using YTD
XXX P/L, file is missing end of year XXX and YTD 2026 P/L and B/S for this business XXX (to support loss used) and to be signed/dated. Note: Final 1003 income is supported with lender Cash Flow Analysis considering the lowest of
XXX/2024/2023 income and/or YTD 2026 however the requested documentation is missing to support what is being used on the Cash flow analysis. 8.29.2026 Client provided some of the requested documentation however, see updated condition on file
for missing three (3) items that need to be signed/dated.
|
This condition have exceed characters, see updated condition for signed dated previously requested items. This condition is being
satisfied, see updated condition (XXX) for continuance of this condition.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX)
|
|
800728
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC889
|
Income is Not Reasonable
|
No
|
This condition goes with prior updated Income condition: XXX unable to update the prior condition, using this as an update to the prior
condition. Listing the last update (dated XXX) from the prior condition.
|
8.26.2026 Client provided Borrowers LOX regarding XXX tax liability with the filing of extension further stating having until XXX to file
returns and make XXX tax payment with no penalties and provided end of year XXX P/L and B/S for Primary source income business: XXX. (however is not signed/dated) and provided lender Cash flow analysis for each XXX positive and/or loss used
for qualifying (including the calculation from the end of year XXX P/L and YTD 2026 P/L calculation, using the lessor of for qualifying) however with review of lender income file is missing the following to support lender worksheet (a). XXX
income of $XXX for each borrower is being used based on YTD XXX P/L with net amount of $623,850; missing signed/dated YTD XXX that supports this and (b). missing signed dated end of year XXX P/L for Primary business: XXX(provided however not
signed dated) and (c). Loss that is being used from XXX (XXX) is also calculated from 2023 1120S business returns (however only XXX/2024 was provided for this business), missing 2023 1120S business returns for XXX and to be signed/dated
(which would support average 2024/2023 loss that is being used) and (d). same for XXX loss of XXX being used for each borrower is calculated using YTD XXX P/L, file is missing end of year XXX and YTD 2026 P/L and B/S for this business XXX and
to be signed/dated. Note: Final 1003 income is supported with lender Cash Flow Analysis considering the lowest of XXX/2024/2023 income and/or YTD 2026 however the requested documentation is missing to support what is being used on the Cash
flow analysis. 8.29.2026 Client provided the following documentation: provided 1120S 2023 business returns for XXX supporting the loss that is being used for B2 (however not signed/dated) and provided 1120S XXX and signed dated along with
signed dated B/S sheet supporting loss that was being used for XXX and provided YTD XXX P/L supporting income being used for Primary source (XXX) (however YTD XXX P/L not signed dated) and previously requested signed dated end of year XXX P/L
for Primary business (XXX) was not provided. Condition remains for the signed/dated (previously requested income documentation): (a). XXX business: YTD XXX P/L provided with net income $XXX(not signed dated) and (b). XXX business: end of
year XXX P/L with showing net income of $XXX (previously provided, requested for this to be signed/dated, was not provided) and (c). XXX 1120S 2023 business returns provided to support loss (however missing signed/dated pg 1).9.1.2026 Client
provided requested signed dated end of year XXX P/L and signed dated YTD XXX P/L for business: XXX and provided signed dated pg 1 of 1065 2023
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX)
|
|
800728
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Missing evidence of pitia for all REO
|
8.23.2026 Client provided some income documents however still missing (a). all PITI(A) documentation for all three (3) REOs and (b) 1008
in file reflect as being manual underwritten however DU AUS was used for underwriting. Provide update 1008 reflecting as DU AUS approved. 8.25.2026 Client provided evidence of PITIA payment used for other REO owned (including Note for
refinanced property, taxes, insurance, HOA etc), amount used on REO of 1003 is supported. Condition remains (a). 1008 current reflect as manual underwriting, should be DU (XXX AUS program) and (b). DU in file currently reflect DTI XXX% and
1008 reflect DTI of XXX%; updated DU to match 1008. Condition remains for these two items. 9.1.2026 Client provided update 1008 reflect DU AUS underwritten
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX)
|
|
800725
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
800725
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Initial CD 0XXX per Mavent and tracking discl is missing in file, please provide along with any coc if applicable.
|
09/04/2026 Client provided the missing Initial CD XXX with tracking reflecting sent on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
800725
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing the initial CD XXX per tracking disclosure. Completed CD required for further testing. Additional conditions may apply.
|
09/04/2026 Client provided the missing Initial CD XXX with tracking reflecting sent on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
801065
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per COC XXX, Revised/Last LE missing please provide.
|
09/10/26 Client provided a signed LOE from Lender stating the COC was a clerical error and should have shown XXX not XXX. Change coincides
with the Revised XXX-2 LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B2 has been in the same profession XXX+ years.
|
|
801065
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
IL Cert of Cmpl/Exmp missing.
|
09/10/26 Client provided the IL Certificate of Exemption.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B2 has been in the same profession XXX+ years.
|
|
800726
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund
required within 60 days of consummation.
|
No
|
Title fees Examination fee, Reconveyance fee were added & increase of Courier fee in section B of initial CD XXX. Fee's exceed
allowable XXX% variation. No COC provided listing fees or any details as to why fee's were increased/added. No cure provided on final CD. Condition pending receipt detailed COC with fee's validated or Post CD reflecting lenders cure, LOX,
Refund of $XXX w/ Proof of Delivery.
|
09/01/26 Client provided an XXX PCCD, LOE, check and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITIA reserves, the guidelines require XXX months PITIA reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at present job
|
|
800574
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
|
|||||||||||||||
|
800723
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
800723
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Unable to test a loan product due to missing initial CD in file
|
08/31/26 Client provided the Initial XXX CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
800723
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.
|
08/31/26 Client provided the Initial XXX CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
801115
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
XXX Client provided the XXX CD and Tracking, however the CD attachment contains blank pages. Condition remains. Provide a full copy of
the XXX CD with all pages legible.XXX Client provided legible pages of the XXX Initial CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
801115
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing.
|
XXX Client provided the XXX CD and Tracking, however the CD attachment contains blank pages. Condition remains. Provide a full copy of
the XXX CD with all pages legible.XXX Client provided legible pages of the XXX Initial CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
801115
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS per loan program is XXX XXX AUS 30 YR.
|
XXX Client provided Lender LOX stating, file was manual underwritten. Please switched to XXX non-agency manual UW. Response, file was
submitted XXX AUS, condition remains for Client updated lock confirmation switching program for re-review9/18 Lock provided changing program to XXX 30y
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800722
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD,
Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|
800721
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
800721
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Application
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAPP1813
|
Undisclosed non-arm's length transaction
|
No
|
Possible NAL.Borrowers sold XXX XXX XXX departing residence XXX . Per 1003, lived there XXX years XXX months.Subject property is
XXX XXX XXX Appraisal states FSBO and confirms they are neighbors.Provide executed Borrower LOE stating relationship, if any, with sellers of subject property.May be subject to additional conditions upon review.
|
XXX Client provided executed Letter from Borrowers regarding prior home that was sold and current home that is being purchasing, having no
personal or business relationship with either.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
800720
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|||||||||||||||
|
801063
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Short funds to close by $XXX.
|
8.28.2026 Client provided duplicate XXX Bank assets however are currently using same two accounts as reflected on Final 1003, condition
remains for short funds to close and possibly short reserves. 9.2.2026 Client provided copy of Gift Letter along with 1003 reflecting gift on 1003 and provided copy of Cashiers Check from donor to Title company, condition remains this
cashiers check is dated XXX with Note date XXX however is not reflected on subject CD (unclear, Title company had funds for one month and not being reflected on Final CD). Missing evidence from Title company in receipt of these Gift funds
from Donor (per cashiers check). 9.15.2026 Client provided Lender Processor Certification clarifying reason donor cashier check dated XXX and closing XXX along with email from Title company verifying receipt of the $XXX(cashier check) on date
of closing; Gift funds credit of $XXX have been given no longer short funds to close and reserves for transaction is sufficient with giving Gift funds credit towards closing cost/down payment.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
801063
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
The HOI policy is missing.
|
8.28.2026 Client provided subject HOI policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
801114
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
801114
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund
required within 60 days of consummation.
|
No
|
XXX% tolerance in the amount of $XXX due to Title fees increased or were added without a COC in file. Unable to identify if borrower
selected title company from Service Provider's List or not as SPL is missing in file. All title fees including Recording fee are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances/SPL or PCD reflecting
lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/21/2026 Client provided PCCD XXX with Principal reduction, LOE, Loan transaction history reflecting payment applied and Shipping label
for delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
801114
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it
and/or Your lender does not offer one are selected
|
No
|
Final CD XXX - The Escrow Account section - neither of You declined it and/or Your lender does not offer one are selected. Condition is
pending LOX with corrected PCD to borrower.
|
09/21/2026 Client provided PCCD XXX with correction and LOE.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800713
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX years
|
|
800713
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to Appraisal fee increased by $XXX on initial CD XXX with no valid reasons documented on COC XXX
and added Survey fee $XXX on initial CD XXX with no COC in file. Survey provider is not listed on SPL, service is not a shoppable service and fee is tested for XXX% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to
borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/12/2026 Client provided a duplicate of the COC XXX in file reflecting appraisal increase per invoice which is not a valid reason.
Condition remains as is. Provide valid reasons, changes that occurred resulting in the increase of the Appraisal fee and addition of the Survey fee, both on Initial CD XXX or PCCD with cure, copy of cure check, LOE to Borrower and evidence of
delivery via tracking. 09/09/26 Client provided an XXX PCCD, LOE, check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX years
|
|
801064
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower in same line of work for XXX years
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage history XXXxXXXxXXX
|
|||||||||||||||
|
800717
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Missing Right of Rescission form
|
XXX Client provided the ROR forms.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX XXX = $XXX reserves. Per exception approval, $XXX min reserves required.
|
|
800717
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
Missing Right of Rescission form
|
XXX Client provided the ROR forms.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX XXX = $XXX reserves. Per exception approval, $XXX min reserves required.
|
|
800717
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
POA on a cash out refinance.
|
Client provided exception approval for use of POA on a cash out refinance
|
XXXs final grade B The exception was approved and meets XXX % DTI max,XXX% LTV max and $XXX min reserves requirement.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX XXX = $XXX reserves. Per exception approval, $XXX min reserves required.
|
|
801062
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Payment of $XXX was excluded for property located at XXX as paid by other. XXX months bank statements provided, however only XXX indicate
payment of $XXX, remainder indicate a payment of $XXX. Unable to validate these as the same payment. Provide satisfactory evidence that the payment for XXX correlated to property at XXX.
|
9.11.2026 Client provided 12 + evidence with bank statements other party making monthly payment for PITI payment on XXX (B3) other REO
property, B3 and this other party is on mtg statement however other party makes payments verified with other party bank statements and does appear payment went from $XXX to $XXX and now payment is $XXX in addition with review appears payments
up to XXX was payment to XXX and XXX - XXX payments to XXX also provided was a newsletter where XXX XXX now joins XXX the XXX. Removed PITI payment of $XXX with updated DTI of XXX% and lender DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
801062
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI106
|
Debt Ratio Exception >5% and <10%
|
No
|
Payment of $XXX was excluded for property located at XXX as paid by other. XXX months bank statements provided, however only three
indicate payment of $XXX, remainder indicate a payment of $XXX. Unable to validate these as the same payment. Provide satisfactory evidence that the payment for XXX correlated to property at XXX.
|
9.11.2026 Client provided 12 + evidence with bank statements other party making monthly payment for PITI payment on XXX (B3) other REO
property, B3 and this other party is on mtg statement however other party makes payments verified with other party bank statements and does appear payment went from $XXX to $XXX and now payment is $XXX in addition with review appears payments
up to XXX was payment to XXX and XXX - XXX payments to XXX also provided was a newsletter where XXX XXX now joins XXX the XXX. Removed PITI payment of $XXX with updated DTI of XXX% and lender DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
800715
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS
|
XXX Client provided DU A/Eligible submission #2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves XXX or XXX months
|
|
800714
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
800718
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
0% tolerance in the amount of $XXX due to added Appraisal Field review fee on a revised CD XXX with no valid reasons documented on COC
XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
08/06/26 Client provided a rebuttal from the Seller with copies of the XXX COC and XXX Invoice. Seller disagrees with violation, stating a
valid COC was provided on XXX and this corresponds with the XXX Invoice. Condition remains. The COC is not valid, as it does not reflect a valid change in circumstance reason/explanation for the added $XXX Field Review fee. The Invoice shows
a $XXX charge for the Field Review, plus another $XXX for "Other", not a Rush as stated on the COC. Provide valid change documentation, from the time of the change, detailing what "changed" to justify the addition of the $XXX. Subject to
re-review.08/20/2026 Client provided PCCD XXX with cure, Cure check, LOE and created shipping label. Condition remains for delivery. 08/26/26 Client provided the delivery confirmation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
800718
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing the VOR
|
8/7 Client provided LOX that XXX months rent checks were included in file for history; On review file is missing canceled rent checks for
XXX, XXX and XXX to complete a XXX month history8/10 Client provided 12 month history
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
800719
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Credit report provided in the loan file shows B2 XXXscore as Frozen. Provide updated credit report with al bureaus unfrozen, as required
per program guidelines. Additional conditions may apply upon review.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800719
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Credit report provided in the loan file shows B2 XXX score as Frozen. Provide updated credit report with al bureaus unfrozen, as required
per program guidelines. Additional conditions may apply upon review.
|
9/8 Client provided an approved exception to allow the file with 1 frozen bureau
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, low LTV
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800716
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
800716
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing rent free letter for current residence and VOR for prior
|
XXX Client provided copy of Lease agreement from prior rental from XXX XXX - XXX XXX, XXX along with XXX months rental payments made to
Landlord and copy of XXX Bank verifying rental history (provided) coming this account and current housing for XXX and XXX XXX having no primary housing expense with subject Note date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the
Lender's status determination.
|
No
|
Missing Note & Supporting Documents for Income & Assets
|
9.23.2026 Client provided all requested QM documentation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC195
|
Missing Note
|
No
|
Missing Note
|
9.10.2026 Client provided executed by Power of Attorney (for both borrowers) signed the note on behalf of each Borrower
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Exception fired due to missing the initial CD.
|
09/11/2026 Client provided the missing Initial CD XXX e-signed by both XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD XXX stated in documentation in the file. Completed CD required for further testing. Additional conditions may apply.
|
09/11/2026 Client provided the missing Initial CD XXX e-signed by both XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE XXX is e-signed by borrowers, no evidence in file of an eConsent document provided. Missing eConsent form.
|
09/11/2026 Client provided accepted consent for both dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $XXX X XXX = $ XXXMissing Assets to Cover Reserves &
Closing Cost of $ XXX
|
9.10.2026 Client provided XXX XXX Verification of Assets verified same assets as listed on Final 1003 with total assets of $XXX; XXX
months history XXX - XXX XXX; sufficient funds to close verified and verified reserves of XXX months
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing voe for B1 & B2
|
Employer letter provided for B2 verifying start date of XXX XXX, XXX however letter is not dated and B1 employer letter dated XXX
verifying Borrower started new employment XXX and took leave on XXX and expected return date back to work on XXX. Condition remains, both borrowers appears to not currently be active at new employment, B1 started XXX however is on leave
until XXX XXX, XXX (post close VVOE is needed to support back at work, as return date was XXX per employer) and B2 Employer letter in file verifying employment to start XXX however letter from employer is not dated. Note: Power of Attorney
signed Note on behalf of both borrowers and both borrowers currently not active at new employment, either havent started yet (B2) or is on leave (B1). XXX Client provided post close VVOE (dated XXX) verifying B1 has returned back to work from
leave with no change in his rate of pay and B2 Written VOE from employer verifying employment to start XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Missing B2 Offer Letter for $XXX in Qualifying Monthly Income from Job Starting XXX. As reflected on the DUAUS, 1008 & 1003
|
9.10.2026 Client provided a Draft copy of Offer Letter for B2. Initial condition remains for executed (not draft) copy of B2 Offer Letter
supporting monthly income being used for qualifying, appears employment to start XXX and first payment XXX 9.23.2026 Client provided Written VOE (post close dated) for B2 supporting start date on XXX and annual salary of $XXX (completed by
new employer) in which is same per the Draft Offer Letter in file.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801081
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to Support $ XXX Appraised Value
|
9.10.2026 Client provided duplicate (in file) copy of subject appraisal however initial condition is for missing valuation supporting
appraised value. Condition remains 9.23.2026 Client provided CU Score X.X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800710
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing recent year W2 for B1. Document labeled W-2 is illegible/blank.
|
9.8.2026 Client provided XXX w2 for B1 legible
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %; max LTV XXX %.
|
|
800711
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
No Cert of Compliance or Cert of Exemption in file
|
08/14/26 Client provided an updated XXX Report. Condition remains. Provide the missing IL Certificate of Compliance OR Exemption that is
required to be recorded with the Mortgage.09/02/26 Client provided the IL Cert of Compliance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800711
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Missing bureau needs to be unfrozen and a current credit report with all bureaus unfrozen is required per guide lines.
|
8.14.2026 Client provided post close dated 8.13.2026 Credit report with all bureau reporting, none frozen.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800707
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
800573
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to increased by Appraisal Fee on Final CD XXX with no COC in file. Condition is pending receiving a valid
Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
08/24/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered XXX shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
800573
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXXed borrowers
|
No
|
File is missing 2026 YTD Profit and Loss statement for XXX, supporting qualifying monthly income of $XXX.
|
8.18.2026 Client provided YTD XXX P/L for requested business supporting requested amount.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
800573
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
File is missing evidence of insurance for subject property (XXX per CD).
|
8.12.2026 Client provided prior HOI policy (XXX- XXX) and current policy (XXX- XXX) supporting same new policy amount due of $XXX on
subject Final CD (pg 259)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
800573
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER111
|
Ownership seasoning does not meet minimum per guidelines
|
No
|
Prior mortgage note date of XXX is less than XXX months before the subject note date of XXX. (Cash-out Refi requirement per LPA finding
#XXX).
|
8/19 Client provided an approved exception to allow the file short seasoning requirements by XXX days less than XXX months
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
800709
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3256
|
Seller contributions exceed guideline requirements
|
No
|
Per final CD, seller contributions of $XXX exceed closing costs of $XXX. Financing concessions must be equal to or less than the sum of
the borrower's closing costs. Any amount exceeding the borrower's closing costs must be treated as a sales concession. Sales concessions must be deducted from the property's sales price and the lower of the reduced sales price or appraised
value must be used to calculate LTV/CLTV ratios for underwriting and eligibility purposes. $XXX - $XXX = $XXX. Sales price $XXX - $XXX = $XXX adjusted sales price. Revised LTV $XXX/ $XXX = XXX% LTV.
|
8/4 Provide a revised 1008 reflecting revised PP $XXX and revised LTV XXX8.30.2026 Client provided Lender 1008 with CLTV of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
|
|
800708
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject $XXX x XXX + REO: $XXX x XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|||||||||||||||
|
801111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
As per the Compliance Ease in file, Initial Loan estimate (XXX) missing from the File, Please provide Executed Initial loan estimate (XXX)
with COC and tracking information if applicable.
|
09/03/26 Client provided the true Initial LE issued on XXX. No COC required. Tracking in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 9 = $ XXX
|
|
801111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
09/03/26 Client provided the missing XXX Initial Loan Estimate. Fee baseline re-testing performed with a Zero Tolerance violation of $XXX
due to the increased Appraisal Fee on the XXX Revised LE. File contains a XXX COC, however there is not a valid COC reason stated. Invoice breakdown also does not reflect valid change reasons. Provide further documentation, from the time of
the change, to validate the increase OR refund borrower $XXX, with PCCD, LOE and proof of delivery.
|
09/15/2026 Client provided a copy of an email regarding an increase to the Appraisal fee on LE XXX that states Standard in Market Area
which is not a valid change reason. Condition remains. Provide the change that occurred resulting in the increase from $XXX to $XXX on LE XXX or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of delivery. 09/22/26
Client provided a XXX PCCD, LOE, check and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 9 = $ XXX
|
|
801111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Borrower using Future Income to Qualify
|
Client on XXX provided approved exception to allow Future Income
|
Upon further review by Senior UWer exception is deemed Non-Material due to verified cash reserves exceed guidelines, qualifying credit
score and good credit history
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 9 = $ XXX
|
|
801061
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added CDA fee $XXX on LE XXX with no valid reasons documented on COC XXX, added Title Archive
fee $XXX, increased Title Doc Prep fee by $XXX, added Title Overnight fee $XXX and added Title Wire fee $XXX on initial CD XXX with no valid reasons documented on COC XXX. Listed title fees are paid to Affiliate who is also a title provider
on SPL list - these title fees are tested for XXX% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
08/14/26 Client provided the prelim closing statement prepared XXX, the XXX change details and XXX change details. Condition remains.
Neither COC detail screenshots provide any further explanation for what "change" occurred that resulted in the added CDA fee and increased Title fees paid to the Affiliate/SPL provider. Borrower is due a refund of $XXX, PCCD, LOE and proof of
delivery with tracking.09/14/26 Client provided a XXX PCCD, check, LOE and proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
|
|
801056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of sufficient documentation supporting exclusion of XXX REO PITIA from DTI calc
|
8.14.2026 Client provided LOX stating REO was included in DTI and provided 1008 with DTI of XXX% however LP DTI is XXX% in which do
appears to be omitted from LP DTI however is included in Lender 1008/DTI. Condition remains for updated LP including PITI payment and DTI should be similar as Lender 1008 XXX% 8/25 Client provided revised LP
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Per LP findings: 'XXX Credit and Liabilities REO Omitted from DTI: Evidence to support omission is required.'Provide sufficient
documentation supporting exclusion of XXX REO PITIA from DTI calc. May be subject to additional conditions upon review.
|
8.14.2026 Client provided LOX stating REO was included in DTI and provided 1008 with DTI of XXX% however LP DTI is XXX% in which do
appears to be omitted from LP DTI however is included in Lender 1008/DTI. Condition remains for updated LP including PITI payment and DTI should be similar as Lender 1008 XXX%8/25 Client provided revised LPA with XXX DTI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH183
|
Credit report incomplete
|
No
|
Per all CBR's in file, B2 Date of birth incorrectly input as XXX - DOB VARIATION.1003 and and ID in file show correct Date of birth.
Provide updated CBR. May be subject to additional conditions upon review.
|
8.14.2026 Client provided LOX stating this is a LP product and per FHLMC guidelines there is no rule stating the CBR must match, etc.
Response, correct info should match throughout file, wrong data input could down the line trigger some different information. Initial condition remains 8/25 Client asked for a review on review; Condition remains for updated credit and may
require resubmission to LP Per FREDMC GLS 5201.1 and 5202.1 All data points including the CB DOB, must match across all documents including the CB and entries into LP9.9.2026 Client provided updated credit report with correct DOB for B2 no
other changes in updated report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
DOT has B1's last name, Title does not.Provide updated matching documents. May be subject to additional conditions upon review.
|
8/25 Client provided corrected final title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801060
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Missing most recent XXX retirement account to cover required reserves.
|
8.26.2026 Client provided XXX XXX XXX statement, verified reserves XXX months
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|
801057
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing credit documentation
|
9/14 Client provided required docs
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
801057
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Borrower omitted the following monthly debt for XXX #XXX for $XXX; XXX#XXX for $XXX; XXX Mtr#XXX for $XXX. Evidence that the most recent
XXX months of payments on XXX and XXX debts were paid directly out of business funds. XXX # XXX debt acquired XXX. Missing XXX and XXX payments verified through the business assets. May require additional conditions upon review.
|
8.26.2026 Client provided #XXX business statement verifying XXX payment for XXX being made however (a). this statement having several NSF
charges (over 5) and (b). missing XXX evidence business making XXX payment. In addition provided one month business statement (#XXX) verifying business making a XXX payment of $XXX0 and XXX payment of $XXX however XX months required and
unable to determine this is for the same requested accounts (c). still missing XXX months evidence business making monthly payments w/XXX #XXX and XXX #XXX (per initial condition). Condition remains for additional documentation, a - c
8.29.2026 Client provided Lender LOX stating XXX was opened in XXX so first payment was due XXX and having history from XXX - XXX (provided the XXX XXX payment) and stating Borrower only has 1 XXX credit card and 1 XXX card showing on credit
and both of which XXX months biz statements were in file (XXX- XXX) and stating regarding NSF borrower had some fraudulent activity back on XXX and business account ending in XXX was then opened on XXX etc. Response, regarding NSF this
appears to be an ongoing NSF charges (statements from Year XXX reflected several NSF back to back on some statements and the same for Year 2026 and even on XXX (most recent statement) and statements in file do reflect business making payments
to XXX and XXX however unable to determine this is for business account or if it is infact for the requested XXX and XXX accounts. Condition remains (a). NSF showing items paid charge of $XXX is ongoing (back to back) occurring for most
recent months and prior years, not just for prior but also reflecting on most recent months and (b) business statements in file do reflect business making payments for XXX and XXX however unable to determine for requested personal #'s and not
for a business debt account. 9/1 Client asked for a review; On review by XXX XXX Condition remains; A. Provide a detailed explanation from the Borrower or CPA for the recurring NSF charges and provide an UW Cert that the cash flow in the
account has been reviewed to confirm the ability to maintain payments from the Bus account and B the recurring payments must be tied to particular credit card accounts, Provide the matching card statements showing the payment credits matching
the Bus acct payments, or other documents used to tie the credit card acounts to the bus payments (the credit report is not enough) 9/14 Client provided Borrower LOX regarding NSF charges and personal credit card statements for XXX and XXX
matching Bus payments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
800702
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX Seller fees have been sourced on the Seller CD,
Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
800704
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing credit documentation
|
8.26.2026 Client provided credit documentation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX subject PITI $XXX x XXX + REO: $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800704
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller CD t in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX subject PITI $XXX x XXX + REO: $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800704
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
1) Provide a copy of the XXX mortgage statement to verify if the Taxes and Insurance are escrowed for XXX 2) Borrower to confirm XXX is
owned free and clear. 3) Provide a LOE to confirm if there is a Hazard Insurance Policy for XXX. May require additional conditions upon review.
|
8.26.2026 Client provided taxes/insurance for XXX. and provided mtg statement and evidence of taxes/insurance for XXX. supporting amount
used on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX subject PITI $XXX x XXX + REO: $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800704
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing PurXXX Contract
|
No
|
PurXXX contract missing in the file.
|
8.26.2026 Client provided executed subject PurXXX Price supporting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX subject PITI $XXX x XXX + REO: $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800704
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
1) Missing tax calculation to support $XXX/month for subject. 2) Borrower's 1003 reflect other liability of $XXXfor tractor purXXX
indicated to be paid off, document funds used to payoff debt. May require additional conditions upon review.
|
8.26.2026 Client provided duplicate (in file) CD reflecting Tractor PurXXX of $XXX is reflected on subject CD as to be paid off. Condition
remains for missing tax calculation to support $XXX for subject 9.1.2026 Client provided Lender documentation for calculation of taxes $XXX used for monthly, accepting low DTI
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX subject PITI $XXX x XXX + REO: $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800704
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing DU AUS
|
8.26.2026 Client provided DU AUS submission #9
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX subject PITI $XXX x XXX + REO: $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
801055
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITI $XXX x 6.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
801058
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
Missing IL Predatory Lending Database Certificate of Compliance or Certificate of Exemption
|
09/03/2026 Client provided missing Illinois Anti Predatory Certificate of Compliance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Full rental income of $XXX verified for departure residence, only a portion of this (amount needed to zero payment) was
used to qualify.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
|
|
801058
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP3822
|
Missing or incomplete documentation related to citizenship/residency
|
No
|
Borrower is a XXX and required documentation to verify legal residency was not provided. Provided one of the following documents required.
A valid and current XXX card (form I-551) also known as a green card. Or, a passport stamped processed for I-551, Temporary evidence of lawful admission for permanent residence. Valid until. Employment authorized. This evidences the holder
has been approved for, but not issued, a XXX
|
9/16 Client provided the XXX card
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Full rental income of $XXX verified for departure residence, only a portion of this (amount needed to zero payment) was
used to qualify.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
|
|
800705
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
800705
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero-tolerance fee violation of $XXX due to increase in Appraisal fee on initial CD XXX with no valid reasons documented on COC XXX.
Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/20/26 Client provided the XXX Appraisal Invoice and XXX COC indicating the Appraisal Fee was updated with invoice received. Condition
remains. Receipt of the Invoice is not a valid change in circumstance reason for increasing the Appraisal Fee. Borrower is due a refund of $XX, PCCD, LOE and proof of delivery with tracking.09/04/26 Client provided an XXX PCCD, LOE, check and
tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
800705
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Borrower short reserves. Verified 7.06 months. Required XXX months for Subject: PITI $XXX x XXX + REO: $XXX x XXX =$XXX. Verified $XXX.
Earnest money for $XXX receipt XXX after bank statement date XXX.
|
8.20.2026 Client provided updated 1003 and DU along with Blend assets covering XXX- XXX for XXX#XXX and XXX#XXX verifying additional
assets of $XXX; verified reserves are now XXX months (previously was XXX months), per initial condition XXX months reserves is required. Condition remains, verified reserves are now XXX and XXX months required. Note: no EMD $XXX credit given,
if applicable verify clearing account for recalculation of assets. 8/28 On review sufficnet assets verified for reserves ; XXX months for subject +XXX months for REO $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
801059
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Per XXX, COC and XXX Process, Initial Closing Disclosure was delivery to borrower on XXX CD is missing in file, pleas provide.
|
09/16/2026 Client provided the missing Initial CD XXX with lock COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX x XXX= $XXX required reserves.
|
|
801059
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD XXX acknowledged by borrowers min XXX days prior to closing.
|
09/16/2026 Client provided the missing Initial CD XXX with lock COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX x XXX= $XXX required reserves.
|
|
801059
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
No
|
Per CompEase, COC and eSign Process, Initial Closing Disclosure was delivery to borrower on XXX CD is missing in file, pleas provide.
|
09/16/2026 Client provided the missing Initial CD XXX with lock COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX x XXX= $XXX required reserves.
|
|
801059
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide a verification of rent to confirm XXX x XXX day lates in the past XXX month.
|
9/3 Client provided an approved exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX x XXX= $XXX required reserves.
|
|
800703
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS with Approve/Eligible recommendation, case ID XXX
|
XXX Client provided DU AUS Casefile ID XXX however 1008 have Casefile ID XXX ; condition remains for corrected DU to match 1008 or
provide updated 1008 w/correct Casefile ID. Upon receipt and review, DU to be reviewed. XXX Client provided updated 1008 w/correct casefile ID per the DU submission #4
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers haveXXX months mortgage payment history XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
801054
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing the Title Report
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence
|
|
800706
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Note is not signed by borrower.
|
9.2.2026 Client provided executed copy of subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXXxXXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
801040
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Borrower 2 doesn't meet credit history requirements.
|
8/28/26 Lender approved exception for b2 credit history doesn't meet requirements. UW determined non-material due to the following
compensating factors: LTV: XXX%, minimum reserves of $XXX.
|
Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below lender's exception maximum of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX X XXX months mortgage payment history exceeds guide lines of XXX months.
|
|
801049
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Per Title Commitment in file, loan originated with a different creditor. Incorrect H9 ROR form was used instead of H8 form. Condition is
pending re-opening rescission to all title holders on H8 form with dates allowing for delivery, LOE to borrower, PCD and proof of shipping with tracking information.
|
08/20/26 Client provided H-8 RORs signed at Closing on XXX. Condition remains. The original file contained both H-8 and H-9 ROR forms
signed at Closing. Lender is required to reopen rescission with the correct H-8 ROR forms and LOE to the title holders with proof of delivery.08/28/2026 Client provided Reopened H8 Right to Cancel forms e-signed on XXX with ExpXXXtion date
midnight of XXX, LOE and tracking reflecting accepted and signed XXX. Condition remains for the end of the Rescission period. 08/31/2026 End of rescission period.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
800698
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Mortgage not provided. Missing Mortgage.
|
8.21.2026 Client provided executed copy of subject Mortgage along with executed PUD Rider.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in the same profession.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
|
|
800698
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
XXX DTI after removal of Note receivable income; MAX DTI is XXX
|
9.2.2026 Client provided some loan file documents (income worksheet) however not sure the reason for these documents, no LOX provided to
address what is to be reviewed with the documents. Condition remains XXX Client provided an Email that variable income from XXX (XXX $XXX WVOE Page XXX pdf XXX) along with XXX $XXX B1) was not included in DD calculation: On review this
income and employment does not appear on the 1003s in file Provide Final 1003s 1008 including all income and employment used tio qualify for review XXX Client provided additional income with revised 1003/1108 DU DTI revised XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in the same profession.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
|
|
800698
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Exception request: Allow the use of notes receivable income with XXX months of receipt. The borrower sold a home on XXX and secured seller
financing to the buyers.The 1st payment was received on XXX. XXX payments have been received thus far and we will be documenting the XXX payment soon.The file approval requirements were met all XXX Guidelines, Max DTI XXX% , Max LTV XXX% ,
Min Reserves XXX.
|
8/14 Client sent an Email; on review the exception request to use Note income was denied; upon removal of Note income the DTI is XXX8/14
Client provided 1003/1008 for review of B1 income; On review Lender is using a gross amount for XXX benefits; file only has evidence of Net deposits and 1003 in file shows Net amount; Provide award letter supporting $XXX as indicated on 1003
provided, income is still under review 8.26.2026 Client provided copy of award letter for B1 in the amount of $XXX being grossed update up for monthly $XXX and updated DTI is now XXX%. This condition is satisfied with receipt of award letter
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in the same profession.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
|
|
800698
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS to validate lender findings. Program XXX AUS 30 YR.
|
8.21.2026 Client provided DU AUS #5 with DTI of XXX% however currently DD Firm DTI is XXX% and DU #10 input regarding borrower current
primary address does not match per DU, correction needed. Condition remains (a). DD Firm DTI still under review for final DU changes, if applicable and (b). #10 on DU regarding current address to be corrected. 8.26.2026 Client provided DU
submission #6 with correction and DU having a DTI of XXX% and with now using grossed up XXX income, updated DTI is XXX%. Condition remains, currently there is an outstanding condition for DTI on loan file. Once DTI get finalized than
further review of AUS is required. 9/3 Client provided corrected 1003 1008 and UAS DTI revised
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in the same profession.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
|
|
800697
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Missing homeowners counseling organizations provided w/in 3 days of application date XXX
|
08/13/26 Client provided an approved exception for the missing Homeowners Counseling List provided within 3 days of application.08/25/26
Client provided the missing XXX disclosure package, including the Homeowners Counseling List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ 18.38 months PITIA > min required of $XXX.
|
|
800697
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing from file, please provide.
|
08/13/26 Client provided an approved exception for the missing Affiliate Business Disclosure.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ 18.38 months PITIA > min required of $XXX.
|
|
800697
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD,
Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ 18.38 months PITIA > min required of $XXX.
|
|
800697
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Missing Loan estimate delivered XXX per XXX, please provide along with any COC and tracking information if applicable.
|
08/24/26 Client provided a rebuttal from Seller stating the borrower did not open the initial disclosures in a timely manner and initial
disclosures had to be resent (screenshot provided showing redisclosures sent XXX). Condition remains. A copy of the Initial Disclosure package is still required, including the LE delivered on XXX (per the XXX Report).08/25/26 Client provided
the XXX LE disclosure package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ 18.38 months PITIA > min required of $XXX.
|
|
800697
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing hazard insurance.
|
8.24.2026 Client provided subject HOI policy w/sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ 18.38 months PITIA > min required of $XXX.
|
|
800697
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing PurXXX Contract
|
No
|
Missing fully executed PurXXX Contract
|
8.24.2026 Client provided executed Sales Contract supporting $XXX (Counter Offer)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ 18.38 months PITIA > min required of $XXX.
|
|
801051
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX ; required reserves $XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX.
|
|||||||||||||||
|
801050
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing LP Findings. Per 1008 comments, following Freddie Mac guidelines to exclude paid off XXX lease. May be subject to additional
conditions upon review.
|
8.18.2026 Client provided LP submission #3 however reflect incorrect loan amount, loan amount should be $XXX; condition remains for LP
with correct Loan amount. 9.15.2026 Client provided updated LP #4 with requested corrections
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX
|
|
800689
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Final CD reflects a Disbursement Date prior to the end of the Rescission period. Lender to provide proof of a later Disbursement via Final
ALTA/Settlement Statement and corrected Post/Funding CD. Or, if the loan disbursed prior to the ROR expXXXtion date, please reopen rescission to all titleholders with dates allowing for method of delivery.
|
08/25/26 Client provided an LOE to borrower, email and XXX PCCD with revisions, including an XXX Disbursement Date. Condition remains.
Provide the Final signed/stamped ALTA or Settlement Statement for review.08/28/26 Client provided the stamped Final Closing Statement confirming Disbursement on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years, XXX months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months reported 0x30; XXX months required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
800689
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Discount Points increased on CD XXX without a COC in file. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
08/25/26 Client provided the missing XXX COC along with the XXX CD and Lock.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years, XXX months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months reported 0x30; XXX months required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
801053
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of missing XXX YTD PL
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and lien-free
primary
|
|
801053
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and lien-free
primary
|
|
801053
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to (Appraisal Desk Review Fee) increased from Initial LE dated XXX of ($XXX) to Final LE dated XXX in an
amount of $(XXX) and (Credit Report Fee) increased from Initial LE dated XXX of ($XXX) to Final LE dated XXX in an amount of $(XXX). Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.
|
09/03/26 Client provided duplicate copies of the COCs in file. Upon re-review, the increased Credit Report Fee is valid based on the
change adding another borrower. The XXX COC does not reflect a valid change reason for the added CDA Fee. Provide additional change details to explain the addition of the CDA Fee, OR provide borrower with a $XXX refund, PCCD, LOE and proof of
delivery with tracking.09/09/26 Client provided a XXX COC indicating the CDA is required due to investor requirements for CU scores greater than XXX Supported by UCDP report in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and lien-free
primary
|
|
801053
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Unable to test due to missing appraisal
|
9.1.2026 Client provided full completed copy of subject appraisal with value of $XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and lien-free
primary
|
|
801053
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Provide missing 1004 appraisal. May be subject to additional conditions upon review.
|
9.1.2026 Client provided full completed copy of subject appraisal with value of $XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and lien-free
primary
|
|
801053
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Unable to test due to missing appraisal
|
9.1.2026 Client provided full completed copy of subject appraisal with value of $XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and lien-free
primary
|
|
801052
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX= $ XXX)
|
|||||||||||||||
|
800690
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
08/31/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years with same employer.
|
|
801047
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of Final CD for sale of departing residence and documentation of $XXX monthly property tax for
subject
|
8.30.2026 Client provided executed Seller CD for departure home with payoff of existing 1st & 2nd liens with Borrower netting $XXX;
closed simultaneously with subject.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
801047
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Provide final CD/HUD-1 for departing residence to support funds to close and to support excluding PITIA+2 from DTI. (CD in file is just
signed by Borrowers/Sellers and does not state 'Final) May be subject to additional conditions upon review.
|
8.30.2026 Client provided executed Seller CD for departure home with payoff of existing 1st & 2nd liens with Borrower netting $XXX;
closed simultaneously with subject.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
801047
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Subject is new construction. Monthly escrowed property tax is $XXX. 1008 reflects the $XXX + an additional $XXX.Provide documentation
supporting $XXXmonthly property tax. Subject to DTI and reserves recalc, and may be subject to additional conditions upon review.
|
8.30.2026 Client provided Lender LOX regarding estimated taxes used due to taxes aren't being fully assessed yet, supporting $XXX being
used on 1008; no effect on DTI, accepting.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
801047
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Re-Verifications
|
Waived
|
C
|
B
|
C
|
B
|
CRDRVRFC1821
|
Undisclosed non-arm's length transaction revealed through independent re-verification
|
No
|
The Loan Originator, XXX , is also the Settlement Agent - per the Final CD and 1003.
|
8.30.2026 Client provided Lender LOX signed by Chief Legal Officer. Response, per guidelines a non arms length transaction exists whenever
there is a personal or business relationship with any parties to the transaction. Condition remains and appears to be a conflict of interest due to having same person act as both the loan originator and the settlement agent. 8/31 Client asked
for review: upon review the Loan Officer also Notarized the documents wherein the LO has a financial interest; Condition remains for NON ARMS length 8/31 Client provided an exception to allow the file with the NAL aspect
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
801113
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
CD XXX in file is a draft. File is missing Final CD signed at closing. Completed CD is required for further testing. Additional
conditions may apply.
|
08/27/2026 Client provided a CD dated XXX that is e-signed by the Borrowers Post closing on XXX. Disclosure tracking also provided
reflecting the document was also viewed on XXX. Condition remains for the Final CD signed at and provide to the Borrowers at the time of consummation and evidence of receipt for final testing and re-review.09/03/2026 Client provided an LOE
reflecting the final CD was sent on XXX for electronic signature after it was determined that the title agent had not downloaded it. The oversight was identified during review of the funding documents and sent through a secure platform for
electronic signature.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
801048
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
800691
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing evidence to verify XXX rent/housing payment history for the borrower's primary residence prior to this transaction; borrower
states renting from XXX through XXX .
|
XXX Client provided an approved exception to allow the file without the housing history
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
|
|
800691
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Missing updated/supplement title evidence reflecting the correct loan amount of XXX ; commitment provided is for $XXX.
|
XXX Client provided updated Title with correct proposed insured amount of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
|
|
800692
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
XXX in file indicates a revised LE XXX was issued but disclosure is missing in file.
|
08/20/2026 Client provided missing LE XXX with COC XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below max XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Co-Borrower has XXX years XXX months at current residence.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-Borrower has XXX years XXX months at current job.
|
|
800692
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below max XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Co-Borrower has XXX years XXX months at current residence.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-Borrower has XXX years XXX months at current job.
|
|
800692
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero Tolerance in the amount of $XXX due to Appraisal -Departing Residence fee added on initial CD XXX with no valid reasons documented on
COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
08/20/2026 Client provided missing LE XXX with COC XXX reflecting Departing Residence Appraisal fee added. Condition remains. Provide
additional information of why the departing residence Appraisal is required or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 08/24/26 Client provided further explanation from Lender with
screenshots showing the proposed rental income discrepancy prompting the need for the 1007 Comparable Rent Schedule.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below max XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Co-Borrower has XXX years XXX months at current residence.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-Borrower has XXX years XXX months at current job.
|
|
800694
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
XXX Client provided the attestation from Lender that they do not have affiliated business arrangements in relation to secondary market
loan transactions.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX .
|
|
800695
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
COC dated XXX indicates increase in Discount Points due to Lock Extension however a corresponding CD disclosing the new higher amount is
missing.
|
XXX Client provided a duplicate copy of the Final CD XXX with a collaborate comment: per our closing department the COC dated XXX was
not a valid COC and should be excluded from the loan file. Please disregard the COC dated XXX . Attached is the consummation CD and COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI < program maximum of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
800695
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX % tolerance in the amount of $XXX due to added Appraisal fee on initial CD XXX . COC dated XXX indicates increase however Appraisal
fee was never disclosed on initial LE XXX . Appraisal Invoice in file is dated XXX and it was already paid by the borrower outside of closing. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and
proof of delivery via shipping that includes tracking information.
|
XXX Client provided PCCD XXX reflecting Principal Reduction listed on Summaries of Transactions, section K with COC for LOE and loan
transaction history reflecting payment applied. Condition remains for the stamped/Signed Final ALTA Settlement Statement with matching fee changes for Re-review. XXX Client requested re-review. XXX PCCD package sufficient for cure.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI < program maximum of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
800693
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
800699
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Mortgage not provided. Missing executed Mortgage w/ applicable riders.
|
8.20.2026 Client provided executed Mortgage and Rider however is not for subject transaction. Condition remains for subject Mortgage/Deed
of Trust and Rider(s). 08/24/26 Client provided the subject DOT.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI; met
|
|
800699
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI; met
|
|
800699
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide AUS findings shown on final 1008. Subject to additional conditions upon review.
|
8.20.2026 Client provided DU A/Eligible submission #5
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI; met
|
|
800699
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Unable to test due to missing DOT
|
8.20.2026 Client provided executed Mortgage and Rider however is not for subject transaction. Condition remains for subject Mortgage/Deed
of Trust and Rider(s). 8.24.2026 Client provided the subject Mortgage/Deed of Trust, vesting name agree
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI; met
|
|
800699
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Market Conditions Addendum to the Appraisal Report, page 176 combined file, is incomplete. Appraiser to provide update including Inventory
Analysis and Median Sale & List Price, DOM, Sale/List %, all sections being completed. May be subject to additional conditions upon review.
|
8.20.2026 Client provided updated appraisal with requested completion items from appraiser
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI; met
|
|
800696
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Homeowners counseling list in file is dated xxx - not dated within XXX days of application date of XXX .
|
XXX Client provided an approved exception for the Homeowners Counseling List timing violation.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX ; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800696
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX ; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800696
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial LE in file is dated XXX which is notwithin XXX days of application date of XXX
|
XXX Client provided the missing Initial LE XXX . with a memo stating that the XXX was a holiday and is within XXX days from application.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX ; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800700
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC3076
|
Legal document was not executed or is incomplete
|
No
|
Appraisal Report indicates XXX vs. DOT indicates PUD.
|
XXX Client provided a corrected Appraisal, comp cert, delivery, invoice and SSRs.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX qualifying score XXX .
|
|
800700
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX ; Seller's CD in file & able to test; Condition
Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX qualifying score XXX .
|
|
800575
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's
|
|
800575
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing DU Findings per final 1008.
|
8/24 Client provided DU Approval
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's
|
|
800683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
|
|
800683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Borrower reserves of $XXX are less than minimum required reserves $XXX . File contains payment status details for various payments, but
bank statements documenting total earnest money of $XXX cleared borrower's account are missing from the loan file and have not been included in verified assets.
|
XXX Client provided Lender rebuttal stating followed FHLMC guidelines and provided snippet. Response, total EMD as reflected on Final CD
is $XXX and file having evidence paid $XXX , $XXX and XXX = $XXX however the additional XXX (pg XXX) is a copy of Borrower check and a receipt however no evidence of clearing of this $XXX , other additional amount given is verified as
being paid by XXX (pg XXX - XXX), in which can add back credit for XXX of $XXX which would now be verified reserves $XXX and required reserves $XXX = short -$XXX reserves. Condition remains to verify the additional $XXX clearing (pg
XXX) or verify additional assets of at lease $XXX to cover require reserves for transaction. XXX Client provided an exception to allow the file without addityional reserves
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
|
|
800683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing page 1 of all 1120S and 1065 business tax returns. Unable to perform cash flow analysis with missing documentation. Documentation
subject to further review more conditions may apply
|
XXX Client provided signed dated pg 1 of the missing business tax returns for 1120S XXX (B2) and 1065 XXX (XXX/XXX) and 1065 XXX XXX
XXX for B1 2nd XXX employment income. Income calculation used for qualifying is supported
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
|
|
800683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing verbal verification of XXX employment for the company XXX XXX XXX and XXX XXX XXX for borrower 1.
|
XXX Client provided VVOE for B1 1st employment however initial condition is for missing B1 2nd XXX employment 3rd party VVOE w/XXX XXX
XXX and (XXX Solutions used loss/VVOE not needed for this loss business). Condition remains for B1 third party SOS for XXX employment (2ndary income used of $XXX ) w/XXX XXXXXX Client provided some documentation regarding XXX XXX XXX
however still missing 3rd party VVOE for 2ndary positive income w/XXX XXX . Condition remains XXX Client provided an approved exception to allow the file without th VVOE for secondary income
|
Upon review by XXX XXX XXX ; Condition is deemed Non Material; Client credit score exceeds GLs, low DTI
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
|
|
800683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR275
|
Completed "Subject To" w/o Completion Cert in File
|
No
|
1004D in file is from the appraisal with a value of $XXX , but the transaction is based on the appraisal with value of $XXX Per
guidelines, if the two (2) appraisals are done subject to and 1004Ds are required, it is allowable to provide one (1) 1004D. If only one (1) 1004D is provided, it should be for the appraisal that the value of the transaction is being based
upon. Documentation subject to further review more conditions may apply
|
XXX Client provided an approved exception to accept the 1004D provided showing all items complete
|
Upon review by XXX XXX Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
|
|
800681
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|||||||||||||||
|
800687
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely
disclosed; insufficient credit or refund provided
|
No
|
Inspection Fee $XXX added to revised CD XXX section B decreased to $XXX on final CD. COC issued XXX does not list fee amount or any
details as to why fee was added. Cure provided on final CD of $XXX for increase of appraisal fee insufficient to satisfy condition. Condition pending receipt detailed COC with fee validated or Post CD reflecting lenders cure, LOX, Total
Refund of $XXX w/ Proof of Delivery.
|
08/20/26 Client provided an XXX PCCD, LOE, check and tracking. Condition remains. Tracking shows only the label has been created. Provide
the proof of shipment.08/25/26 Client provided the proof of delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
801045
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing Income docs for B2
|
Response, asset statement was provided where XXX distributions are coming from and appears to be given quarterly $XXX quarterly as
reflected on statement and over XXX years continuance is supported with balance, monthly XXX is $XXX vs $1XXX and provided commission calculation worksheet for B1 and provided SSI award letter for B2. Quarterly XXX end of year statement
provided and March XXX statement for XXX distributions
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: B2 has owned subject XXX years
|
|
801045
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per MaVent in file stated a revised Loan Estimate XXX was re-disclosed and delivered on XXX to borrowers, LE is missing in file please
provide along with any tracking information and COC if applicable.
|
XXX Client provided the XXX COC and LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: B2 has owned subject XXX years
|
|
801045
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Application
|
Waived
|
D
|
B
|
D
|
B
|
CRDAPP130
|
Application is incomplete
|
No
|
F 1003 for Both Borrowers are missing Assets used to Qualify; B1 used XXX XXX and B2 Used XXX with distributions to qualify; Provide
corrected 1003/1008 showing source of all Assets used to qualify
|
XXX Client provided 1003 however do not reflect the XXX assets that is being used for B2 XXX distribution income and continuance.
Condition remains for B2 1003 (assets) to list XXX assets where the monthly XXX distribution is coming from and supporting the continuance amount balance. XXX Client provided copy of B2 XXX XXX #XXX July XXX statement however was not
requested. Prior update remain, B2 1003 (under assets) to list XXX assets that is being used for monthly XXX distribution and balance to support the continuance of this monthly income. 9/11 Client provided an approved exception to allow the
file without the updated 1003
|
Upon review by XXX XXX Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: B2 has owned subject XXX years
|
|
801045
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
B2 used XXX distributions $XXX to qualify; Missing Asset statements to verify balance and continuance;
|
Response, asset statement was provided where XXX distributions are coming from and appears to be given quarterly $XXX quarterly as
reflected on statement and over XXX years continuance is supported with balance, monthly XXX is $XXX vs $XXX and provided commission calculation worksheet for B1 and provided XXX award letter for B2. Quarterly XXX end of year statement
provided and March XXX statement for XXX distributions
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: B2 has owned subject XXX years
|
|
801045
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Distributions used to Qualfy; 1. Missing Distribution letter from XXX XXX 2. Missing Documentation of XXX and YTD distributions per UW
notes B2 had distributions of $XXX and $XXX Q1 XXX no evidence provided; 3. Missing XXX Award Letter for B2 4. missing income WS for commission calculation
|
XXX Client provided Letter from Organization XXX verifying Borrower receives at least $XXX annually through required minimum
distributions from his retirement assets and will continue for life without depletion of the underlying assets. Response, asset statement was provided where XXX distributions are coming from and appears to be given quarterly $XXX quarterly
as reflected on statement and over XXX years continuance is supported with balance, monthly XXX is XXX vs $XXX and provided commission calculation worksheet for B1 and provided XXX award letter for B2. Quarterly XXX end of year statement
provided and March XXX statement for XXX distributions
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: B2 has owned subject XXX years
|
|
801045
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
NAL transaction Borrower is employed by Lender Missing evidence of Lender Employee Loan guidelines/policy
|
9.10.2026 Client provided B1 Employee loan program policy for employees
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: B2 has owned subject XXX years
|
|
800682
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
3rd party XXX indicates borrower owns another property located at XXX, This property is not listed in the REO section of the final 1003,
and no monthly payment/expenses were included in the debts. File is missing documentation verifying this property has been sold. If property is still owned, then verification of the PITI(A) will be required and included in the debts. If
payment is made by another, then XXX months cancelled checks will be required.
|
8.30.2026 Client provided lender XXX however initial condition remains for documentation to support B1 no longer having ownership with
requested property:XXX as reflected on DD Firm XXX however was not disclosed on REO of 1003. Missing documentation no longer owns, or never owned or provide PITI documentation to be included in DTI. 9.2.2026 Client provided property profile
verifying borrower is not owner of requested property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.
|
|
800688
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
801046
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Credit Report Fee increased on CD XXX without a valid COC in file. Condition pending receipt
of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/15/26 Client provided a XXX PCCD, LOE, check and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
|
|
800686
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per COC in file, a revised CD was issued on XXX with added Discount Points due to Lock/ Pricing change. Disclosure is missing in file.
|
XXX Client provided a duplicate copy of the XXX PCCD package. Condition remains. Provide the missing XXX Revised CD, per the COC in
file.XXX Client provided what appears to be a copy of the whole loan file (691 pages). Condition remains. Unable to locate an XXX Revised CD, as reflected on the COC form. Provide the XXX CD, if applicable, OR Lender to provide explanation
for the COC reflecting an XXX Date of Re-Disclosure. XXX Client provided a duplicate copy of the COC and Final XXX CD. Condition remains. Lender to provide LOE for the XXX COC indicating a CD was re-disclosed on XXX, as there has been no CD
issued on XXX provided.XXX Client provided an Email from Seller confirming the CD was generated on XXX but borrower did not see it until XXX and lender cured the points increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
800686
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
800686
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX % tolerance in the amount of XXX due to Discount Points increased on final CD XXX COC in file indicating change on XXX and XXX with
re-disclosure on XXX is not a valid COC as revised CD XXX is missing in file and fee was not re-disclosed to borrower within XXX days of findings. Condition is pending receiving a revised CD XXX or PCD reflecting lenders cure, LOE to
borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided Funding CD XXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
800684
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
eSign Process page 286, shows a LE was issued on XXX which is missing from the file. Condition pending receipt of all missing disclosures
along with corresponding COCs.
|
09/02/2026 Client provided the missing LE XXX with COC lock XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX months $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at the current job.
|
|
800685
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 6 = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|||||||||||||||
|
800677
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX)
|
|||||||||||||||
|
800678
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing documentation to support trust income used for borrower three. Missing current receipt, K1s and statement to verify continuance.
|
8.29.2026 Client provided Trustee Letter for B3 verifying YTD 2026 and prior XXX/2024/2023 earnings are or were and provided Trustee
Letter stating is entitled to the unitrust distribution for her lifetime, 2026 monthly Trust income is $XXX and prior year XXX monthly income was $XXX (which is the amount being used for qualifying) and is supported with XXX bank statement
with over $XXX; in addition file having evidence of current recent (2026) for XXX, XXX and XXX of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXXxXXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800678
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing documentation to support trust income used for borrower three. Missing current receipt, K1s and statement to verify continuance.
|
8.29.2026 Client provided Trustee Letter for B3 verifying YTD 2026 and prior XXX/2024/2023 earnings are or were and provided Trustee
Letter stating is entitled to the unitrust distribution for her lifetime, 2026 monthly Trust income is $XXXX and prior year XXX monthly income was $XXX (which is the amount being used for qualifying) and is supported with XXX XXX bank
statement with over $XXX; in addition file having evidence of current recent receipt of income (2026) for XXX, XXX and XXX of $XXX mo
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXXxXXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800679
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has owned business for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
800679
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3730
|
TRID - Error #2 discovered on Closing Disclosure
|
No
|
**XXX. replacing exception XXX. In the Loan Disclosures Section the Monthly Escrow Payment at $XXX. Escrowed Property Costs in Year 1 in
Loan disclosures section at $XXX. Monthly Escrow Payment is inconsistent with the Escrowed Property Costs in Year 1.
|
08/17/26 Client provided a corrected XXX PCCD. Condition remains for the missing LOE to Borrower.18/20/2026 Client provided a copy of the
LOE to Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has owned business for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
801044
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
800680
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Title -Lender Insurance Fee increased with no valid COC in file. Title provider is lender's Affiliate
and was selected from SPL by borrower as a title provider. Fee is tested for XXX% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes
tracking information.
|
08/25/26 Client provided an XXX PCCD, LOE, check and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
800676
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
File is missing 2026 YTD profit and loss statement for XXX., supporting qualifying monthly income of $XXX.
|
8.31.2026 Client provided Lender rebuttal stating the most recent year, XXX is filed. The 1040 is on extension - the borrowers business
return which is what the reviewer referenced, has been file and see attached guidelines. Response, with 1040 XXX being under extension YTD 2026 P/L is required. XXX 1120S have been filed (per LOX) however cannot be used for income due to
not having the filed corresponding 1040s to go with the 1120S. So currently reviewing 1120S as a end of year XXX P/L vs asking for end of year XXX P/L. Condition remains, if 1040 XXX personal tax returns are under extension, initial
condition remains for YTD 2026 P/L statement for XXX9.9.2026 Client provided YTD XXX profit/loss for B1 XXXment supporting monthly income used for qualifying (on P/L wages appears to belonging to borrower due to prior two years 1120S
previously reflected no salaries/wages however did reflect compensation officer wages and with considering these wages on P/L income supported)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
800676
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD not provided. Missing initial CD.
|
09/02/26 Client provided the Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
800676
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXXed borrowers
|
No
|
File is missing 2026 YTD profit and loss statement for XXX, supporting qualifying monthly income of $XXX.
|
8.31.2026 Client provided Lender rebuttal stating the most recent year, XXX is filed. The 1040 is on extension - the borrowers business
return which is what the reviewer referenced, has been file and see attached guidelines. Response, with 1040 XXX being under extension YTD 2026 P/L is required. XXX 1120S have been filed (per LOX) however cannot be used for income due to
not having the filed corresponding 1040s to go with the 1120S. So currently reviewing 1120S as a end of year XXX P/L (would use lessor) vs asking for end of year XXX P/L. Condition remains, if 1040 XXX personal tax returns are under
extension, initial condition remains for YTD 2026 P/L statement for XXX 9.9.2026 Client provided YTD XXX profit/loss for B1 XXX supporting monthly income used for qualifying (on P/L wages appears to belonging to borrower due to prior two
years 1120S previously reflected no salaries/wages however did reflect compensation officer wages and with considering these wages on P/L income supported) XXX% owner
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
801042
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Additional Appraisal fee $XXX was added on initial CD XXX section B & Discount points increased to $XXX on final CD from $XXX initial
LE. COC issued XXX does not list amount of fee increases or any details as to why fees increased. No Rate Lock pricing provided indicating any change in loan amount, expXXXtion date or LTV to validate increase of points. No cure provided on
final CD. Condition pending receipt detailed COC with fees validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
08/28/26 Client provided an Email with Seller Response and copies of the Initial XXX Lock and Revised XXX Lock showing the change in DTI
to over XXX% causing a pricing change on XXX(disclosed on the XXX CD). Condition remains. Re-testing still results in a Zero Tolerance violation of $XXX due to the added Additional Appraisal Fee on the XXX CD without a valid
reason/explanation on the XXX COC. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery with tracking.09/03/26 Client provided an Email response from Lender explaining that they knew of the pending sale of the current residence
at the time of the initial disclosures, however the loan had not been UW yet, so the LO would not have known of the Client's guideline requirement to maintain at least a XXX% equity in the property until it went to underwriting. Condition
remains. The COC was issued for this change on XXX. Provide additional documentation to support that the information was not known until XXX (departing Appraisal was completed on XXX). Subject to re-review.09/15/2026 Client provided PCCD XXX
with cure, copy of cure check, LOE and delivered XXX tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in profession.
|
|
800672
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage
|
|||||||||||||||
|
800675
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
801043
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an
accurate ATR/QM status.For XXX lender used $XXX/month for PITI. Review verified $XXX/month. $XXX/mtg + $XXX/taxes + $XXX/HOI. Provide documentation of the difference.
|
9.3.2026 Client provided an updated 1008/1003 using the verified amount for XXX property for an updated DTI under XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has over XXX months 0x30 on current mortgages
|
|
801043
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
CD XXX disbursement date reflects XXX.Right to cancel reflects date to cancel of XXX.Loan closed/disbursed prior to end of statutory
rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD
|
09/02/26 Client provided an XXX PCCD and LOE. Condition remains. PCCD reflects revised closing costs and later Disbursement on XXX.
Provide the Final signed/stamped ALTA/Settlement Statement.09/04/26 Client provided the Final Settlement Statement reflecting Disbursement on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has over XXX months 0x30 on current mortgages
|
|
801043
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Provide source of $XXX deposit on XXX into XXX XXX
|
9.3.2026 Client provided XXX #XXX verifying source of $XXX out of this account into XXX #XXX (pg 387) in loan file
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has over XXX months 0x30 on current mortgages
|
|
801043
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
For XXX lender used $XXX/month for PITI. Review verified $XXX/month. $XXX/mtg + $XXX/taxes + $XXX/HOI. Provide documentation of the
difference.
|
9.3.2026 Client provided an updated 1008/1003 using the verified amount for XXX property for an updated DTI under XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has over XXX months 0x30 on current mortgages
|
|
800671
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job.
|
|||||||||||||||
|
800673
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
The file contains a The Right of Rescission Disclosure Version 8, the Title Commitment reflects XXX as lienholder on 1st lien.
|
09.09.2026 Client provided an approved exception for the incorrect ROR Form used.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
801112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|||||||||||||||
|
801110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX *XXX = $XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; XXX % max.
|
|
801110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Missing evidence of the XXX -Day Moving Average for B2 employer XXX XXX and the Vesting Schedule as required for XXX income by FNMA per
XXX XXX XXX v5.0; lender provided printout of XXX -Week Avg and no vesting schedule provided.
|
XXX Client provided B2 employer XXX week low price however initial condition is for missing evidence of the XXX -Day moving average price
for B2 employment w/XXX XXX. Condition remains XXX Client provided employer XXX day moving average price along with Employer letter from when first hired regarding when receiving of RSU grant awards and provided copy of XXX Performance growth
and productivity for year XXX and with file having end of year XXX/XXX and YTD XXX supporting RSU income that is being used for qualifying along with XXX award grant history. Monthly RSU income supported to be used for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX *XXX = $XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; XXX % max.
|
|
800670
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|||||||||||||||
|
800665
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Appraisal fee increased from final LE XXX $XXX to initial CD XXX $XXX . COC issued XXX does not list amount of fee increase or
sufficient details as to why fee increased. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of
Delivery.
|
XXX Client provided an XXX PCCD, LOE, check and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX month > reserve requirement XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
800659
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXXin verified assets is sufficient to cover required reserves $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
|
|||||||||||||||
|
800662
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 6 = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|||||||||||||||
|
800666
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and two lien-free
REOs
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
800663
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
TX EQ FMV not executed via lender.
|
09/02/26 Client provided the Acknowledgment of FMV signed by Lender post close.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX*12 + REO $XXX*6= $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with the current employer.
|
|
800XXX
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
08/28/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
|
|
800667
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $ ; required reserves $XXX.
|
|
801041
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing components for non-subject PITI.
|
9.2.2026 Client provided verification of requested PITI(A) documentation supporting amount used on REO of 1003 for each requested
property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX
|
|
801041
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Lender on final Note XXX and original creditor listed on title report in file are the same. ROR form type is H8. Requires H9 when original
creditor and lender are the same.
|
08.31.2026 Client provided an approved exception for the incorrect ROR Form used.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX
|
|
801041
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of all components of non-subject PITI.1- Missing tax and insurance documentation for the property located at XXX2-
Missing tax and insurance documentation for the property located at XXX.3- Missing Mortgage statement from XXX for the property located at XXX4- Missing Mortgage statement from XXX for the property located at XXX.5- Missing tax and insurance
documentation for the property located at XXX6- Missing HOA documentation and/or statement from the borrower stating no HOA dues for each property.
|
9.2.2026 Client provided verification of requested PITI(A) documentation supporting amount used on REO of 1003 for each requested
property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX
|
|
800661
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Determine status upon updated CBR - as not all debts on 1003's are on CBR provided in file.
|
8.31.2026 Client provided Credit report dated XXX (DU credit report)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX years same line of workB2 XXX years same line of work
|
|
800661
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH183
|
Credit report incomplete
|
No
|
7/9/26 CBR has missing and frozen scores.DU reflects XXX CBR used to qualify - please provide.Subject to DTI recalc, (missing debts
reflected on 1003), and may be subject to additional conditions upon review.
|
8.31.2026 Client provided Credit report dated XXX (DU credit report)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX years same line of workB2 XXX years same line of work
|
|
800661
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
B2 is projected incomeRequired start date is not on the offer letter; however, start date is established via email and accepted by
Borrower.
|
8/25 Client provided an approved exception to allow the Start date confirmation via Email
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX years same line of workB2 XXX years same line of work
|
|
801109
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Affiliate Business Disclosure missing. Provide Affiliated Business Disclosure.
|
09/04/26 Client provided a Lender attestation stating they do not have Affiliated Business arrangements in relation to secondary market
loans.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
801109
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
801109
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing 2 most recent months XXX account #XXX with balance of $XXX.
|
9.11.2026 Client provided XXX months (XXX XXX XXX) bank statements for requested account supporting requested balance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
801109
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing property taxes and insurance for XXX and homeowners association dues for XXX
|
9.11.2026 Client provided property taxes $XXX mo for XXX.; still missing evidence of HOI $XXX for XXX and missing evidence of HOA for XXX.
Condition remains 9.17.2026 Client provided XXX verifying monthly HOA of $XXX for XXX property. Condition remains for evidence of HOI for XXX supporting $XXX9.21.2026 Client provided HOI policy for XXX supporting monthly $XXX(additional $XXX
added to DTI)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
800664
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
09/02/26 Client provided an LOE from Lender confirming this loan closed with no business affiliates.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXmid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
|
|
800668
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing copy of lease agreement for XXX XXX XXX with monthly rent of $XXX along with rent schedule to support lease rental income.
|
XXX Client provided (post close dated XXX comparable rent schedule for XXX XXX XXX (departure home), still missing executed copy of
Lease agreement (per initial condition). XXX Client is using Comp rent schedule supporting lease income of $XXX to qualify; condition remains as CRS is post close dated XXX XXX Client provided an approved exception to allow the post close
dated rent schedule
|
Upon review by XXX XXX ; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX -months housing payment history XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with same employer.
|
|
800656
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Alta statement in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800656
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Unable to test a loan product due to missing initial CD in the file.
|
09/08/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800656
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.
|
09/08/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800656
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing the required AUS.
|
9.4.2026 Client provided DU AUS A/E Casefile ID XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800669
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & F are not disclosed on Final CD XXX ; Seller's CD in file & able to
test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo.XXX mortgage payment history; XXX required.
|
|
800669
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2354
|
Asset Verification In File is Incomplete Per Requirements
|
No
|
Missing the executed departure sale contract (or final executed HUD/CD) to verify any financing contingencies have been cleared as
required by FNMA; unsigned estimated hud provided is not sufficient.
|
XXX Client provided executed HUD-1 from sale of departure home with payoff of existing both liens and borrowers netting $XXX (closed XXX
days before subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo.XXX mortgage payment history; XXX required.
|
|
800657
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|||||||||||||||
|
801037
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
XXX executed ROR's found in file, used that last signature date version for testing purposes. Incorrect H9 ROR form was used instead of H8
form. Per Title Commitment in file, loan originated with a different creditor. Condition is pending re-opening rescission on H8 ROR form to all title holders with dates allowing for delivery, LOW to borrower, PCD and proof of shipping with
tracking information.
|
09/01/26 Client provided request from Seller for clarification. Upon re-review, a PCD is not required. Condition remains for reopening of
rescission to all title holders on correct H-8 ROR form with LOE and proof of delivery (tracking required if signatures not present). ExpXXXtion Date must be at least 3 days after the confirmed receipt date of the new ROR.09/09/2026 Client
provided re-opened H8 Right to cancel forms for both, expXXXtion dated midnight of XXX and delivered XXX shipping label. Condition remains for the end of rescission period. 09/14/2026 End of Rescission period.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800655
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.Provide XXX and YTD 2026 Profit and Loss for XXX
|
8.27.2026 Client provided signed dated end of year XXX and YTD XXX P/L; condition remains YTD 2026 P/L is post close from XXX - XXX XXX,
XXX with Note date is XXX; condition remains for prior to closing YTD 2026 P/L 8/27 client provided an exception
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXXMonths
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
|
|
800655
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXXed borrowers
|
No
|
Provide XXX and YTD 2026 Profit and Loss for XXX
|
8.27.2026 Client provided signed dated end of year XXX and YTD XXX P/L; condition remains YTD 2026 P/L is post close from XXX - XXX XXX,
XXX with Note date is XXX; condition remains for prior to closing YTD 2026 P/L 8/27 Client provided an exception to allow the file with PC YTD P&L
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, low DTI
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXXMonths
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
|
|
800654
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
801038
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
File is missing the Final Closing Disclosure issued at consummation
|
09/17/26 Client provided the fully executed Final XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
801038
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
09/17/26 Client provided an LOE from Lender stating no referral has been made to any of the affiliates on the FACTS for this transaction
(FACTS in file).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
801038
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing an additional XXX mo. of housing payment history to meet the required XXXxXXXxXXX guideline; bank statements only verify XXX mo.
of payment to XXX.
|
9.17.2026 Client provided evidence of monthly rent payment from XXX - XXX with current housing along with file having a copy of the
executed Lease agreement
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
801039
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Both ROR forms (H-8 and H-9) were signed at closing. Therefore, the correct form must be provided to all title holders and the rescission
period reopened.
|
09/15/26 Client states Documents uploaded for review on XXX, however no documents found. Please re-send.09/16/26 Client provided the
correct H-8 ROR forms and Tracking. Received XXX with end of rescission on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800653
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
801036
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
2024 corporation tax returns (1120) provided in the file indicate borrower's ownership interest is XXX%. XXX corporation tax returns, or
XXX tax filing extension is required.
|
8.11.2026 Client provided copy of XXX extension and provided copy of 1120 XXX business returns for XXX, XXX & XXX in which is the
Primary source income, file was missing this XXX 1120 (borrower having XXX%) by definition XXX even though also working for XXX. Condition remains for (a). Lender Cash Flow analysis with income calculation using this 1120 XXX business
returns and (b). XXX 1120 to be signed dated, provided however not signed/dated. Note: File also have XXX/2024 1040 and Transcripts, XXX do not appear to be under extension. 8.17.2026 Client provided updated Lender Cash Flow Analysis using
average of XXX/2024 1120 (basically w2 officer compensation income) along with updated DU using slightly higher income and provided another copy of the 1120S business returns however not signed/dated (previously requested). Condition remains
for pg 1 of XXX 1120 to be signed/dated and YTD XXX P/L was provided however was not signed/dated. Missing signed dated for both: XXX 1120 and YTD 2026 P/L 8.24.2026 Client provided pg 1 of 1120 XXX signed/dated and provided signed/dated YTD
2026 P/L
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self-employed with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
801036
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXXed borrowers
|
No
|
2024 corporation tax returns (1120) provided in the file indicate borrower's ownership interest is XXX%. A YTD and XXX P&L statement
is required. If XXX corporation tax returns are provided, then YTD P&L only is required.
|
8.11.2026 Client provided copy of XXX extension and provided copy of 1120 XXX business returns for XXX, XXX & XXX in which is the
Primary source income, file was missing this XXX 1120 (borrower having XXX%) by definition XXX even though also working for Family. Condition remains for Lender Cash Flow analysis with income calculation using this 1120 XXX business returns
and missing YTD 2026 P/L Note: File also have XXX/2024 1040 and Transcripts, XXX do not appear to be under extension. 8.17.2026 Client provided YTD July 2026 P/L and file having w2's, paystub and Written VOE, borrower is paid w2 income.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self-employed with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
801036
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
DU findings provided in the indicate borrower's income type was submitted as salaried and employed by XXX and requires documentation
verifying ownership interest is less than XXX%. Form 1125-E from 2024 corporation tax returns (1120) indicate borrower's ownership interest is XXX%. A corrected DU with income type submitted as XXX with ownership interest over XXX% and
findings showing correct documentation requirements for income type will be required.
|
8.11.2026 Client provided DU #6 with requested corrections, showing Borrower as XXX due to having over XXX% ownership.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self-employed with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
801035
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
File is missing the Patriot Act form completed and signed by the closing agent.
|
8/25 Client provided the CU membership policy showing Patriot compliance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
801107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Final signed closing disclosure is missing from file, please provide.
|
09/16/26 Client provided a copy of the XXX Final CD with e-signature receipt by all parties on XXX (at closing).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline max XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
801107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing from file.
|
09/18/26 Client provided an LOE from Lender indicating there are no affiliates and no referrals that occur.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline max XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
801107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR117
|
ROR - ExpXXXtion date on form prior to end of rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX. CD XXX with disbursement date of XXX. No additional cd or alta settlement statement in
file. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower
|
09/16/26 Client provided a copy of the XXX Final CD with e-signature receipt by all parties on XXX (at closing). Re-testing results in no
violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline max XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
801107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX. CD XXX with disbursement date of XXX. No additional cd or alta settlement statement in
file. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower
|
09/16/26 Client provided a copy of the XXX Final CD with e-signature receipt by all parties on XXX (at closing). Re-testing results in no
violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline max XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
801108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REOs.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
801108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
XXX month VOR required, $XXX monthly per Lease. Document showing wires from XXX page 413 combined file, reflects differing amounts, and
differing Payees - including to B1 vs to Landlord. Provide XXX month VOR and LOE from Landlord to reconcile discrepancies. May be subject to additional conditions upon review.
|
9.8.2026 Client provided copy of current executed Lease agreement (current rental) along with evidence of 12 payment amount of $XXX with 3
of them being paid to Payee: our borrower name. Condition remains to verify XXX, XXX and XXX payments of $XXX was paid to Landlord vs showing paid to our borrower. Initial condition requested also to verify the three (3) payments being
Payee to our borrower vs to landlord, did not see LOX or evidence of these XXX months to Landlord. 9.21.2026 Client provided email from borrower and from XXX stating the three wires in question were erroneously listed borrower name as
recipient vs Landlord name, have been addressed and verified as being erroneously listing borrower vs Landlord
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REOs.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
801108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Provide missing third party executed Patriot Act form. May be subject to additional conditions upon review.
|
9.8.2026 Client provided executed Patriot Act
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REOs.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
801034
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX *XXX= $XXX reserves required.
|
|
800650
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
As per the XXX and XXX Disclosure Tracking in file, a Revised LE XXX was issued but is missing. Condition is pending receiving missing LE
for further testing.
|
08/25/26 Client provided the missing XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
800650
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
800652
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
|
|||||||||||||||
|
800651
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
B2 XXX credit is reported as frozen. Provide updated credit report showing this bureau as unfrozen as required per program guidelines.
Additional conditions may apply upon review.
|
9.10.2026 Client provided post close dated XXX credit report with all bureaus reporting
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying DTI XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC3076
|
Legal document was not executed or is incomplete
|
No
|
Due to Title missing, unable to determine the beneficiary of Payoff - ROR Form H8 is in file and may not be correct; Note indicates 2
borrowers vs. DOT indicates 1 titleholder on page 1 with both borrowers' signatures on page 14; Condition pending receipt of missing title.
|
09/11/2026 Client provided the missing title reflecting deed required to correct vesting to both, unmarried and Mortgage from XXX with
different Originating Lender. H8 correct.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Provide VOE dated 10 days within 10 days prior to the Note date for both borrowers.
|
9.15.2026 Client provided VVOE for both borrowers dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Provide Flood Certification verifying property is not located in a flood zone. Additional conditions may apply.
|
9.10.2026 Client provided subject Flood Certificate document, flood zone X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Title property Title vesting does not agree with Mortgage vesting
|
9.15.2026 Client provided executed copy of quitclaim Deed matching vesting, B1 name only
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Provide a title report. Additional conditions may apply upon review.
|
9.9.2026 Client provided Prelim Title
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Provide full appraisal report for the subject property as required per program guidelines. Additional conditions may apply upon review.
|
9.10.2026 Client provided full appraisal report with value of $XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated 3rd party valuation value not supported due to missing updated valuation
|
9.10.2026 Client provided full appraisal report with value of $XXX dated XXX; condition remains for CU Score 2.5 or less OR provide 3rd
party CDA valuation supporting appraised value. 9.16.2026 Client provided CU Score X.X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
No inspection for XXX disaster #XXX declared XXX.
|
9.10.2026 Client provided full appraisal report with value of $XXX dated XXX
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 paystubs show additional overtime income of $XXX per month (YTD/XXX average) that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800647
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing credit documentation
|
XXX Client provided an Email; on review provide evidence of escrow for 1st mortgage on XXX REO XXX Client provided copy of XXX mtg
statement supporting PITI of $XXX along with LOX paying annually HOA of $XXX for monthly $XXX for requested property (reflecting the same on Final 1003/REO)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
800647
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide a copy of the XXX XXX XXX mortgage statement to verify if the Taxes and Insurance are escrowed for property XXX XXX XXX, XXX FL
XXX.
|
XXX Client provided copy of XXX mtg statement supporting PITI of $XXX along with LOX paying annually HOA of $XXX for monthly $XXX for
requested property (reflecting the same on Final 1003/REO)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
800905
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Subject is Construction loan 1 - Missing VOM for construction loan (XXX), file have a copy of the Promissory Note (pg 1108 2 - Missing
payoff for builder over run (per CD being paid off), file have 1st lien payoff however missing builder payoff statement. Evidence of payoffs also required per DU (#15
|
9.11.2026 Client provided VOM for subject construction loan w/XXX with satisfactory payment history and provided builder payoff over run
that is being paid off on subject CD
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines, XXX months
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
800905
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
9.2.2026 Client provided business returns however not signed/dated Missing pg 1 signed dated 1065 XXX/XXX and pg 1 signed/dated 1120S XXX
|
9.10.2026 Client provided signed dated pages of requested business returns
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines, XXX months
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
800905
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
D
|
B
|
D
|
B
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
DU having much more assets than verified or listed on Final 1003 (#40 on DU reflect a checking account w/XXX with $XXX) provide updated DU
removal of asset account or verify asset account and list on 1003 if verified.
|
9/8 Client provided an approved exception to allow the file without updated DU
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines, XXX months
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
800905
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Page 2 of appraisal reflects High Price for One Unit Housing at XXXk.Subject is Appraised at $XXX and comps have sale prices ranging from
$XXX - $XXX.Appraiser to address / correct discrepancy, and state if subject is an over improvement for the area.May be subject to additional conditions upon review.
|
9.2.2026 Client provided full credit package with appraiser requested comments (pg 195, 196)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines, XXX months
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
800905
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR275
|
Completed "Subject To" w/o Completion Cert in File
|
No
|
Provide 1004D/Completion cert with all photos as required, for the following. May be subject to additional conditions upon review.Per
appraisal : 'XXX - The report is made "subject to" for the following1. Installation of the railing on the deck for safety issues.2. Installation of the railing on in the loft/family room on the 2nd floor.3. Installation of the railing on the
stairs going to the basement.4. Installation of the remaining floor coverings in the rooms above grade.'
|
9.2.2026 Client provided full credit package however 1004D in file with blank photos. Missing 1004D with all applicable photos9/8 Client
provided 1004D with phoots
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines, XXX months
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
800649
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
800649
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Fee increased on CD XXX without a COC in file. Condition pending receipt of a
Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
XXX Client provided PCCD XXX with cure, copy of cure check, LOE and out for delivery XXX shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
800649
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing the VVOE for borrower 2
|
XXX Client provided email VVOE from employer for B2 verifying employment as of Note date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
800906
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with same employer.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX -months housing payment history XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
800648
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXX Cash Reserves$XXXRequired:XXX months PITI; met.
|
|
800648
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Note date XXX Per DU Findings in file : '5. Information from an asset verification report and/or rent payment information from the credit
report was used in the riskassessment for this loan casefile. Based on the date of the asset report(s) and the date of credit report(s), this loan mustclose on or before XXX . (MSG ID XXX)'Provide updated findings. May be subject to
additional conditions upon review.
|
XXX Client provided updated DU #11 with removal of info (that was on prior DU)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXX Cash Reserves$XXXRequired:XXX months PITI; met.
|
|
800640
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Calculated DTI XXX% is > AUS DTI of XXX%; DTI variance is due to the total HOA dues calculation for property located at XXX. Per the
statement in file, HOA dues are $XXX per quarter ($XXX per month); lender qualified using $XXX per year ($XXX per month).
|
8.28.2026 Client provided updated DU submission #6 with requested changes and updated DTI of XXX% and provided updated 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
800646
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
800613
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|||||||||||||||
|
800904
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|||||||||||||||
|
800907
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
09/14/26 Client provided the missing ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
|
|
800907
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing a verbal Verification of Employment (VVOE) performed no more than ten (10) business days prior to the Note date for B2 2nd
job.
|
9.15.2026 Client provided B2 VVOE for 2nd employment dated XXX (Note XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
|
|
800628
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; 80% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI;XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score;XXX required.
|
|||||||||||||||
|
800902
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
800644
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
800644
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing VOR for the most recent XXX months confirming 0X30.
|
8.25.2026 Client provided current rental housing satisfactory VOR history from XXX - present.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
800642
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800908
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Escrow Waiver Fee was added to LE XXX without a valid COC in file. Condition pending receipt
of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/17/26 Client provided the XXX Email with the Borrower approving to waive escrows.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX years at current employment
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
800643
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXXxXXX.
|
|
800645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations not provided w/in XXX days of application. List provide XXX while application date is XXX.
|
8/26/26 Client provided an approved exception for HOCL not provided to borrower within XXX days of application
|
8/26/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
LE XXX is the only LE in file. Missing initial LE provided to borrower within XXX days of application date and, if applicable, any revised
LE(s)
|
09/04/2026 Client provided the missing LE's XXX and XXX with COC for change.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Final CD XXX signed on XXX is the only CD in file. Product not disclosed at least XXX days prior to closing date of XXX.
|
09/14/2026 Client provided the missing Initial CD XXX with audit trail.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
|
|
800909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Provide initial CD given to borrower at least XXX days prior to closing date of XXX.
|
09/14/2026 Client provided the missing Initial CD XXX with audit trail.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
|
|
800909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing 1008
|
9.11.2026 Client provided lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
|
|
800909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS
|
9.11.2026 Client provided DU AUS #4
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
|
|
800903
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing an additional bank statement consecutive to the XXX XXX statement dated XXX and an additional bank statement consecutive to the
XXX XXX statement dated XXX as required by XXX Program for a purXXX transaction.
|
8.28.2026 Client provided additional prior month requested statement for both accounts
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
800903
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing VOR to verify 0x30xXXX per the guidelines.
|
8.28.2026 Client provided XXX months rental payment history to BILT which is an online payment receiver for some Landlords
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
800903
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing the Verbal Verification of Employment dated within 10 business days of closing as required by the XXX Program.
|
8.28.2026 Client provided VVOE dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
800641
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|||||||||||||||
|
800912
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing evidence to verify 2yr history of bonus income; required by FNMA to calculate the borrower's qualifying bonus income.
|
XXX Client provided end of year XXX /XXX paystubs supporting bonus income used for qualifying
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with current employer.
|
|
800912
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Dwelling coverage of XXX is insufficient.
|
XXX Client provided HOI application however HOI policy do not reflect having replacement cost coverage. In addition stating to see your
policy for the additional coverage that applies. Condition remains for HOI replacement cost estimated worksheet supporting $XXX is sufficient coverage. XXX Client provided HOI estimated replacement cost worksheet, HOI having sufficient
coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with current employer.
|
|
800912
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Policy effective date is XXX and loan disbursed on XXX . Coverage was in force at time of disbursement.
|
XXX Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for PurXXX review.
|
8.15.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with current employer.
|
|
800912
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing PurXXX Contract
|
No
|
Fully Executed PurXXX Contract Missing in file. Provide PurXXX Contract
|
XXX Client provided executed Sales Contract along with all applicable Counter Offer for final sales price accepted as $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with current employer.
|
|
800910
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added Appraisal Desk Review fee on CD XXX. COC dated XXX doesn't include a valid reasons as to
why fee was added. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/21/26 Client provided a screenshot of the XXX COC. Condition remains. The COC does not provide a valid "change in circumstance"
reason/explanation. COC states Underwriting condition received XXX requiring an acceptable CDA Report. Further details are required to confirm a valid change in circumstance occurred. Subject to re-review.09/17/26 Client provided an LOE from
Lender, XXX COC and the XXX UCDP with score of X. Per the Lender, scores exceeding 2.5 require a desk review.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800910
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of taxes, insurance, and HOA dues if applicable for retained REO. 1003 shows a monthly tax/insurance/dues amount of
$XXX, but no documentation to verify the amount was found.
|
8.20.2026 Client provided Mtg statement verifying PITI mtg payment of $XXX and HOA of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800897
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800897
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
09/14/2026 Client provided the missing Initial CD XXX with Audit Trail.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800897
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing.
|
09/14/2026 Client provided the missing Initial CD XXX with Audit Trail.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800897
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely
disclosed; insufficient credit or refund provided
|
No
|
A $XXX zero-tolerance variance resulted from increased fees and reduced lender credits that were not timely disclosed. Pending receipt of
the Initial CD; additional conditions may apply.
|
09/04/26 Client requested re-review. The XXX COC/CD validate the Lender Credit decrease due to Lock Extension pricing adjustment.
Re-testing results in a Zero Tolerance violation of $XXX due to the Appraisal Fee and Credit Report increase on the Revised XXX CD. Lender cured the $XXX Credit Report increase portion at Closing. Remaining violation amount is $XXX. File
contains a XXX COC for the Appraisal Fee increase, however the XXX CD is missing. Provide the XXX Initial CD for re-testing.XXX Client provided the missing Initial CD XXX for testing. Re-tested with no violation.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800626
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
XXX client provided an email form Lender reflecting subject property is in Hi and their affiliate is not licensed in that state therefore
the Affiliated Business disclosure does not generate for loans in Hi.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years at present job
|
|
800898
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller CD t in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %; max LTV XXX %.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX ; required reserves $XXX
|
|
800629
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required reserves of XXX mo's for the subject, $XXX
|
|||||||||||||||
|
800627
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS/DU
|
XXX Client provided DU A/E submission #5
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIA. Guidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
800899
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
As per Mavent Initial CD dated XXX is missing in file. Please provide Initial CD along with any COC if applicable.
|
09/15/26 Client provided the XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
800899
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers min XXX days prior to closing.
|
09/15/26 Client provided the 8/3 Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
800899
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
No
|
As per Mavent Initial CD dated XXX is missing in file. Please provide Initial CD along with any COC if applicable.
|
09/15/26 Client provided the 8/3 Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
800899
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
DTI XXX%. Lender DTI XXX%. Lender used a XXX month average for XXX REO's. Review used XXX months.
|
9/15 Client accepts DD DTI XXX%
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
800636
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR117
|
ROR - ExpXXXtion date on form prior to end of rescission period
|
No
|
Borrower was not provided full XXX days of resections as end of rescission date on ROR is XXX . Consummation date is XXX as per Notary on
Mortgage. Condition is pending re-opening rescission to all title holders, LOE and proof of shipping
|
XXX Client provided copies of the RORs and LOE from Lender stating: The file signed on the XXX , but was discovered after signing that
the vesting and signature lines on the DOT were missing the date of the Trust. The DOT was redrawn and resigned the next day hence the notary line is dated for the XXX Condition remains. Provide the original DOT reflecting the Notary
acknowledgment on the date of Closing XXX ). If unable to provide, reopen rescission to all title holders with proof of delivery that includes tracking information.XXX Client provided new ROR forms and Tracking. Delivery confirmed XXX with
end or rescission at midnight on XXX. Condition remains for the new rescission period to expire.XXX The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months PITI > min required reserves of XXX months $XXX
|
|
800636
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Loan Consummated on XXX as per Notary on Mortgage. ExpXXXtion date for XXX day rescission is XXX, Per final CD XXX Disbursements date is
also XXX.
|
XXX Client provided copies of the RORs and LOE from Lender stating: The file signed on the XXX, but was discovered after signing that the
vesting and signature lines on the DOT were missing the date of the Trust. The DOT was redrawn and resigned the next day hence the notary line is dated for the XXX Condition remains. Provide the original DOT reflecting the Notary
acknowledgment on the date of Closing (XXX ). If unable to provide, reopen rescission to all title holders with proof of delivery that includes tracking information.XXX Client provided new ROR forms and Tracking. Delivery confirmed XXX with
end or rescission at midnight on XXX. Condition remains for the new rescission period to expire.XXX The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months PITI > min required reserves of XXX months $XXX
|
|
800901
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXXxXXX.
|
|
800637
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Affidavit of Fair Market Value not signed by lender. Provide Lender Executed copy of FMV.
|
XXX Client provided the closing FMV Affidavit signed by Lender.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX%
|
|
800638
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing Flood certification documentation.
|
8.25.2026 Client provided Flood Certificate document, flood zone AE. Flood insurance in loan file
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
|
|
800630
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
LE XXX i the only LE in file. XXX tracking in file, a revised LE XXX was issued and emailed to borrowers. Condition pending receiving
all missing revised LE(s) for further testing.
|
XXX Client provided missing LE's XXX and XXX with COC's.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800630
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees and Realtor Commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no
material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800630
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero percent tolerance of $XXX due to increase in Appraisal fee by $XXX and added Desk review fee $XXX on initial CD XXX with no valid
COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided missing LE's XXX with COC XXX reflecting Appraisal fee increase due to Complexity and LE XXX with COC reflecting
lock and CDA required for program.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800634
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for
other REO $XXX
|
|||||||||||||||
|
800896
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund
required within 60 days of consummation.
|
No
|
Ten percent tolerance of $XXX due to Government recording fees $XXX and Title Doc Prep $XXX increased on XXX without a COC in file.
Pending receipt of a COC or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/11/26 Client provided the missing XXX COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned the subject property for XXX years XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
800895
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX Initial CD issued XXX . No Confirmation of Receipt of Initial CD w/ proof of delivery to both holders XXX Days Prior to
Consummation provided.
|
XXX Client provided Disclosure tracking including the receipt of Initial CCD XXX on XXX by both.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
|
|
800631
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. ALTA Settlement Statement in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800632
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Initial application in file dated XXX , list of homeowners counseling in file XXX
|
XXX Client provided an approved exception for HOCL not provided timely to borrower. XXX Client provided the Disclosure Tracking Summary,
Pre-Approval Worksheet and LOE. Pre-App file - address was TBD. Property Location received XXX Updated App Date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800632
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application dated XXX as per Mavent in file, earliest LE in file is dated XXX . Missing initial LE.
|
XXX Client provided the Disclosure Tracking Summary, Pre-Approval Worksheet and LOE. Pre-App file - address was TBD. Property Location
received XXX . Updated App Date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800900
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
D
|
B
|
D
|
B
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Borrower used gift funds of $XXX to qualify; however, borrower has sufficient available assets to meet the closing cost and reserve
requirements without the gift funds. Documentation verifying the $XXX deposit into borrower's XXX account *XXX were the gift funds, or an updated DU with the gift funds removed will be required.
|
9/7 Client provided an approved exeption top allow the file without updated DU
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, strong reserves without gift
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
|
|
800900
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing a verbal Verification of Employment (VVOE) performed no more than ten (XXX) business days prior to the Note date for B1.
|
9/7 Client provided an exception to allow the file without nthe VVOE
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
|
|
800900
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER4238
|
Business entity does not meet guidelines
|
No
|
Borrower's employer is an XXX XXX XXX company. Client guidelines do not allow any income from businesses engaged in any type of internet
XXX.
|
9/7 Client provided an approved exception to allow the file with Borrower employed by Entity with income derived from legal XXX
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
|
|
800639
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Provide evidence of HOI for property located at XXX XXX XXX. Additional conditions may apply.
|
XXX Client provided HOI policy for requesting REO property supporting monthly $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX qualifying score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX
|
|
800639
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide evidence of HOI for property located at XXX XXX XXX . Additional conditions may apply.
|
XXX Client provided HOI policy for requesting REO property supporting monthly $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX qualifying score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX
|
|
800635
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Both H9 and H8 ROR forms in file are executed by the borrowers. Condition is pending further explanation as to why and which one lender is
using for the rescission period.
|
XXX Client provided correct H-8 ROR forms with tracking that confirms receipt on XXX. ExpXXXtion ended on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX %.
|
|
800633
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline max of XXX%.
|
|||||||||||||||
|
800615
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at present job
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
800623
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal fee by $XXX on revised LE XXX with no valid reasons documented on COC
XXX and added CDA fee $XXX on initial CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking
information.
|
0XXX Client provided copies of the Appraisal Invoice, CDA Invoice and UCDP Report. Condition remains. The high Risk Score on the UCDP
Report validates the addition of the CDA fee, however the Invoice for the Appraisal does not provide any further change in circumstance for the increased Appraisal Fee. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery with
tracking.08/28/26 Client provided an Email with screenshot of the Appraisal Order Details reflecting the XXX history notes for the increased fee reason.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
800892
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has stable employment with XXX years at current job.
|
|||||||||||||||
|
800616
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
800614
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months XXX on current mortgage
|
|
800614
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
CU score of X in file supports appraised value. However per CD it appears a XXX Report was completed. Provide the XXX review supporting
value.
|
XXX Client provided 3rd party CDA valuation supporting appraised value with XXX % variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months XXX on current mortgage
|
|
800617
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing hazard insurance premium verification for XXX XXX XXX XXX.
|
(No Data)
|
Cancelled, Client provided duplicate property profile for address: XXX XXX XXX XXX (pg 1109) verifying whom owners are for this property,
not reflected in our borrower name.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX + years at primary residence.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX XXX XXX years.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
|
|
800893
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
0% tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented on COC XXX. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/02/26 Client provided duplicate copies of the XXX COC and LE. Condition remains. The COC does not reflect a valid change in
circumstance for increasing the Appraisal Fee. Provide valid change documentation for review, OR provide borrower with a $XXX refund, PCCD, LOE and proof of delivery with tracking.09/15/2026 Client provided PCCD XXX with cure, copy of cure
check, LOE and out for delivery XXX tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
800894
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Unable to validate income. B1 is XXX. Missing business/personal tax returns.
|
9.3.2026 Client provided full complete copy of 1120S XXX and signed dated for B1 XXX income used for qualifying and provided XXX/XX 1040
personal tax returns (which is required for B2 due to working for B1 XXX), in addition provided XXX extension. File have end of year XXX P/L and YTD August XXX P/L and having a note of pending outstanding payment of $XXX on XXX P/L
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXXxXXX reported XXX months; XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800894
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per tracking disclosure summary, a revised CD was sent XXX. CD missing in file. If applicable, completed CD required for further testing.
Additional conditions may apply.
|
09/04/2026 Client provided a collaborate comment: Seller comment: The final cd was completed and sent on XXX (see screenshot from our
system). The closer entered date issued as XXX in error. Supported by a screen print for CD XXX reflecting showing XX Final CD date and date at the bottom of the document XXX 02:32.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXXxXXX reported XXX months; XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800894
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing ABD
|
09/04/2026 Client provided Lenders letter stating they do not have any affiliated business relationships.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXXxXXX reported XXX months; XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800894
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
B1 is XXX. Missing business/personal tax returns.
|
9.3.2026 Client provided full complete copy of 1120S 2024 and signed dated for B1 XXX income used for qualifying and provided XXX 1040
personal tax returns (which is required for B2 due to working for B1 XXX XXX extension. File have end of year XXX P/L and YTD August XXX P/L and having a note of pending outstanding payment of $XXX on XXX P/L
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXXxXXX reported XXX months; XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800620
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|||||||||||||||
|
801116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking Summary, Loan Estimates were issued on XXX and XXX which are missing from file. Condition pending receipt of
missing disclosures along with corresponding COCs.
|
09/17/26 Client provided the missing XXX LE and XXX LE packages.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
801116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
09/10/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
801116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
09/17/26 Client provided the missing XXX LE and XXX LE packages. On the XXX LE, a $XXX CDA Fee was added, however the XXX COC does not
reflect a valid change reason/explanation. Provide further documentation, from the time of the change, to support a valid change reason. Subject to re-testing. Additional conditions may apply.
|
09/18/26 Client provided an Email response from Seller that includes screenshots of the Appraisal receipt date and the UCDP score over
allowed tolerance; CDA required.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
801116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
9.16.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of departing residence HOA and departing residence PI for new bridge loan.
|
8/25 Client provided HOA invoice and partial bridge loan terms8/25 Client provided Bridge loan terms missing evidence of receipt of funds
$XXX9.18.2026 Client provided evidence of incoming wire confirmation of $XXX on XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
1. XXX XXX # XXX statement is in file. Provide second most recent consecutive month's statement to support transfers of large deposits.
May be subject to additional conditions upon review. 2. Provide source for any deposits > XXX in new above statement above.3. Provide source of XXX deposit in XXX #XXX4. Provide source for XXX deposit in XXX # XXX, XXX.* Subject to asset
recalc and may be subject to additional conditions upon review.
|
9.18.2026 Client provided XXX #XXX (XXX, ) statement which appears to be the prior statement however initial condition is for 2nd most
recent consecutive month statement to support transfers of large deposit. Missing XXX XXX #XXX statement (which would be the most recent consecutive, per initial condition) and any deposits > $XXX will need to be sourced. In addition,
missing the source for $XXX deposit in XXX #XXX on XXX (per initial condition). Initial condition remains, appears documentation requested in initial condition was not provided. 9/22 Client asked for review; on review April statement is
acceptable for XXX months; Client provided XXX statement to source $XXX deposit; Condition remains for source of XXX deposit in XXX # XXX XXX.9/22 Client provided XXX bank statement to source transfer $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX month PITIA for subject and XXX months for one financed
REO; not met Provide additional asset statements, meeting guidelines, supporting Borrower had required reserves . May be subject to additional conditions upon review.
|
9.18.2026 Client provided some asset statement however per initial 1003 XXX #XXX is also being used for this transaction however no assets
currently being considered for this #. Missing two months bank statements to be considered towards reserves. 9/22 Client provided 2nd month XXX statement
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Provide XXX loan documentation reflecting Borrower's receipt of XXX. May be subject to additional conditions upon review.
|
8/25 Client provided Bridge loan terms missing evidence of receipt of funds $XXX9.18.2026 Client provided evidence of incoming wire
confirmation of $XXX on XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Provide missing loan documentation for New Bridge Heloc on Departing residence with XXX Bank for XXX and $XXX PI as reflected on final
1003. Subject to DTI and reserves recalc and may be subject to additional conditions upon review.
|
8/25 Client provided Bridge loan terms
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide documentation supporting monthly HOA amount on departing residence. Subject to DTI and reserves recalc and may be subject to
additional conditions upon review.
|
8/25 Client provided HOA invoice
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
1. Provide Schedule C income calc worksheet2. Provide complete 2024 and 2024 1040s' at minimum Federal Statements are missing.May be
subject to additional conditions upon review.
|
8/25 Client provided complete 24 returns still missing income WS9.2.2026 Client provided Cash Flow Income Analysis for Schedule C XXXment
income supporting amount used for qualifying
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Missing third party VOE for Schedule C. Please provide, meeting below. May be subject to additional conditions upon
review.Guidelines:'Verification of the existence of borrowers self-employment must be verified through a third-party source and no more than thirty (30) calendar days prior to the Note date.o Third party verification can be from a XXX,
regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source.o Listing and address of the borrowers businesso Name and title of person completing the verification and date of verification.'
|
8/25 Client provided XXX search of Bus website; provide a third party VOE meeting XXX GLs9.2.2026 Client provided 3rd party VVOE for
Schedule C (with history of licenses) however is not dated, condition remains for 3rd party dated verification of Schedule C XXXment. 9/10 Client provided 3rd party verification dated post close XXX; Provide a VOE dated within 30 days prior
to close 9/11 Client provided an approved exception to allow the post close dated VOE
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Title Commitment: 'Property Address: XXX and XXX, XXXNote , DOT, CD, PurXXX contract, Appraisal, etc:
XXXProvide updated matching documents. May be subject to additional conditions upon review.
|
8.27.2026 Client provided updated Title reflecting correct address and Unit XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
1. Appraiser to provide updated building sketch reflecting Kitchen. 2. Appraiser to address if one or two kitchens in the following; a.
'The subject consists of two XXXminiums units combined as one unit. The subject property is XXX and XXX andfeatures a living room, family room, , dining room, sun room, three bedrooms, 2 full bathroom, two half bathrooms, twobalconies, and
four garage stalls.'b. 'Recent updates per homeowner include dishwashers' May be subject to additional conditions upon review
|
9.3.2026 Client provided Lender rebuttal LOX regarding initial conditions. Response, due to subject was two units and Title previously
did reflect XXX and XXX on 1st page however been updated to XXX only however last page of title in legal do also reflect both units (XXX and XXX). Initial condition remains 9/10 Client provided LOX and review of Title Confirms Currently one
unit combined from two, the additional verbiage reflects the original configuration
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
801106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
Property Valuations
|
Property
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Per appraisal: 'Predominant Price: The subject's estimated market value is noted to vary from that of the neighborhood predominant price.
The subject is felt to bean over improvement for the market due to its larger than typical GLA for its XXXminium development'
|
9.3.2026 Client provided Lender rebuttal LOX regarding initial conditions. Response, due to subject was two units and Title previously
did reflect XXX and XXX on 1st page however been updated to XXX only however last page of title in legal do also reflect both units (XXX and XXX). Initial condition remains 9/10 Client provided Email; title issues resolved; Condition remains
for Appraiser to further comment how the over improvement affects marketabilty 9.18.2026 Client provided updated appraiser commenting on subject was not felt to be over-improved for the market due to the differenced in the indicated line
items
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
800890
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
800891
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented on COC XXX. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/27/2026 Client provided COC XXX reflecting increase of Appraisal fee due to XXX property.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
800891
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing PITI verification for retained prior residence XXX.
|
8.26.2026 Client provided copy of mtg statement for departure home (XXX) verified PITI of $XXX and LOX stating having no monthly HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
800621
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Compliance Manual
|
Waived
|
B
|
B
|
B
|
B
|
CMPMAN2990
|
1003 - Final Application is not Accurate
|
No
|
B2 declarations indicate borrower is first time homebuyer but the documentation in file confirms present ownership. AUS states to update
application and resubmit to AUS.
|
9.2.2026 Client provided an updated 1003 for B1 and DU #14 however initial condition is regarding B2 (XXX), declarations Letter A (2nd
question) have you had a ownership interest in another property in the last XXX years, says No however currently own the current property and DU #12 is showing as FTHB for B2. Initial condition remains for corrections for B2, don't appear to
be a FTHB; DU #12 to be corrected and declarations should reflect as an Yes. 9/4 Client provided an approved exception to allow the file without corrected 1003
|
Upon review by XXX XXX Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
800624
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIA . Guidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800622
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD issued XXX not provided. Missing Initial CD.
|
XXX Client provided the XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX =$XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
800618
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
|
|||||||||||||||
|
800619
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|||||||||||||||
|
800625
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX % tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented on COC XXX. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided the XXX Appraisal Services Summary, Invoice and additional XXX COC indicating the Appraisal Fee increased due to
escalation/rush fee added. Condition remains. Provide documentation to support the borrower made the request to rush the Appraisal order. Subject to re-review.XXX Client provided another XXX COC and the XXX Appraisal Order Notes indicating
the reason/explanation (not a rush charge; complexity of property).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; XXX % max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX ; total reserves required $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max allowed.
|
|
800888
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Discount points $XXX were added to initial CD XXX decreased to $XXX final CD & Lender credit decrease from LE XXX $XXX to initial CD
XXX $XXX. No COC provided listing amount or any details as to why points increased & credit removed or Rate Lock pricing indicating any change in loan amount, expXXXtion date or LTV to validate this fee changes. No cure provided on final
CD. Condition pending receipt detailed COC with fees validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
09/01/26 Client provided the missing XXX COC and LOE validating the Points/Credit changes.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX verified reserves > program requirement of $XXX (Subject PITI $XXX x6).
|
|
800880
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
800880
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing evidence to verify at least $XXX from XXX XXX sale proceeds being used as funds to close and reserves via executed settlement
statement as required by DU; purXXX agreement signed XXX reflects closing date XXX same as this transaction, but the REO proceeds are needed closing.
|
XXX Client provided executed HUD-1 from sale of departure home (XXX) closing simultaneously with subject with payoff of existing lien and
netting $XXX to Seller/Borrower.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
800881
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
|
|
800879
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX. Initial CD date issued XXX. No Confirmation of Receipt of Initial CD w/ proof of delivery min 3 days prior to
consummation.
|
09/15/26 Client provided the Disclosure Tracking Summary and Details confirming receipt on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
800882
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing final verification of employment for XXX from XXX must be completed no earlier than 10 business days before the note date.
|
8.30.2026 Client provided SOS dated XXX for B1 employment however having XXX% ownership, < XXX% ownership and be definition not XXXed.
Condition remains for VVOE dated within 10 business days of Note. 9/11 Client provided a VVOE dated XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800882
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing qualifying AUS..
|
8.30.2026 Client provided LP AUS submission #5 reflecting as cash out with cash out amount of $XXX however file was submitted to DD Firm
as rate/term refinance, debt being paid off is a installment payoff debt to: XXX in the amount of $XXX; condition remains for clarification of transaction being cash out or rate/term refinance. If transaction is rate/term additional
documentation required to support being a rate/term (no liens on Title). Upon receipt and review, LP to be further reviewed. 9/11 Client provided an Email confirming loan is cash out
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800889
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Missing the Final CD for the sale of the borrowers property located at XXX XXX XXX XXX .
|
9.16.2026 Client provided supplement w/XXX XXX XXX XXX being paid and closed as of XXX in which was the mtg on property XXX XXX XXX
and reflect the same on data verify sold as of July XXX and provided Title Agency info reflecting how much was disbursed to borrower from this sale and file having an estimated HUD-1 from this sale.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
800606
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|||||||||||||||
|
800604
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI of XXX% is below guideline maximum of XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|||||||||||||||
|
800883
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Appraisal fee increased from final LE XXX $XXX to initial CD XXX $XXX . No COC provided listing mount of fee increase or any details as
to why fee increased. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
XXX Client provided an LOE,XXX PCCD, shipping and payment history reflecting a $XXX principal reduction.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI < program maximum of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX
|
|
800884
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at primary residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX =$XXX reserves required.
|
|||||||||||||||
|
800609
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per disclosure tracker & COC form issued XXX revised LE XXX was issued. Revised LE not provided. Missing disclosure.
|
XXX Client provided the missing XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX *XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been XXX -employed in the same profession for XXX years.
|
|
800885
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Zero tolerance due to added Appraisal Rush fee of $XXX on CD XXX with no valid COC in file. Condition is pending receiving a valid
Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided a missing XXX COC and LE adding the Rush Fee. Condition remains. Provide the supporting documentation evidencing the
borrower's request to rush the appraisal order.XXX Client provided a copy of the dated loan Notes reflecting the XXX borrower approval (verbal) of the Rush and the following Seller comment: Borrower requested expedited appraisal processing
to meet contract contingency deadlines after an initial delay in proceeding with the appraisal. The request was communicated verbally to the loan officer and documented in contemporaneous loan notes. Upon learning of the need for a rush
order, the lender issued a Change of Circumstance and revised LE on XXX disclosing the $XXX appraisal rush fee, which was acknowledged by the borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: B1 has been in the same profession for XXX + years.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has owned her current business for XXX + years.
|
|
800885
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Per 1008 loan was submitted to DU, missing DU Findings.
|
XXX Client provided Lender DU A/E #3 with DTI of XXX % and Lender 1008 DTI XXX %; appears the difference in DTI is departure home PITIA
payment being included in DU. Condition remains for updated DU with correct DTI, if departure home is sold, currently is included in DU DTI. XXX Client provided updated DU submission #5 with DTI of XXX % (removing departure home PITIA, sold
w/HUD-1 in file (pg 738) simultaneously closing.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: B1 has been in the same profession for XXX + years.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has owned her current business for XXX + years.
|
|
800612
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Provide evidence of HOI coverage for the subject property. Additional conditions may apply upon review.
|
XXX Client provided subject HOI policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX % is below guideline max LTV of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX , qualifying score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX required reserves are $XXX .
|
|
800605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has over XXX years at current job.
|
|||||||||||||||
|
800610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|||||||||||||||
|
800607
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|||||||||||||||
|
800886
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for
other REO $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
800887
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
09/14/26 Client provided the missing XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800887
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXXdays prior to closing.
|
09/14/26 Client provided the missing XXXInitial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
800611
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXXxXXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX Mo. REO XXX = $ XXX reserves required.
|
|||||||||||||||
|
800608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund
required within 60 days of consummation.
|
No
|
XXX percent tolerance of $XXX due to Government recording fee increased from $XXX on initial LE XXX to $XXX on final CD XXX with no valid
COC in file to support this. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/28/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label created status. Condition remains for delivery.
09/03/26 Client provided another copy of the cure package. Re-tracking confirms delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|||||||||||||||
|
800870
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|||||||||||||||
|
800602
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|||||||||||||||
|
800603
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX= $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
801104
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
|
|||||||||||||||
|
800866
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
|
|||||||||||||||
|
800871
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX % tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented on COC XXX Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided a duplicate copy of the XXX COC and XXX Appraisal Invoice. Condition remains. Neither document reflects a valid
"change in circumstance" reason for increasing the Appraisal Fee. Borrower is due a refund of $XXX PCCD, LOE and proof of delivery with tracking.XXX Client provided PCCD XXX with cure, copy of cure check, LOE and delivered XXX shipping
label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves verified XXX ; required reserves $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %; max LTV XXX %.
|
|
800872
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800872
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL137
|
Missing copy of 2nd lien Note (subject is 1st lien)
|
No
|
Provide signed Promissory Note and Terms for the $XXX 2nd mortgage
|
9.14.2026 Client provided executed signed and notarized Promissory Note and terms for the $XXX Employer Relocation 2nd mortgage and
appears to have no monthly payment shall be due and payable on the earlier of five (XXX) years from the date first set forth above or upon Borrowers termination of employment with XXX or if property is no longer deemed to be the Borrowers
principal residence or upon the sale, transfer etc of this property. Subject Final CD (pg 250) reflect this subordination amount of $XXX and the subsidy amount of $XXX in addition given). Note: Borrower starts with this new employer: XXX and
employer is offering this 2nd lien towards relocation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in
the fee testing with no violation.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
0% tolerance in the amount of $XXX due to added Real Estate Coordination fee in C. section one Funding CD XXX with no COC in file. Real
Estate service is not listed on SPL, fee is not a shoppable fee. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/15/26 Client provided a cure package for a different borrower/property. Condition remains. XXX Client provided PCCD 9/8 with $XXX cure,
copy of cure check, LOE and delivered XXX shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID4056
|
TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total
Payment Amount
|
No
|
CD dated XXX, Loan Calculation, Total of Payments, CD Value: $XXX; eCLAS Value: $XXX, a difference of $XXX. Condition triggered due to
added Real Estate Coordination fee in C. section on Funding CD XXX. Condition is pending receiving a copy of refund, LOE and proof of shipping with tracking information.
|
09/15/26 Client provided a cure package for a different borrower/property. Condition remains. XXX Client provided PCCD XXX with $XXX cure,
copy of cure check, LOE and delivered XXX shipping label.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
HOI effective date XXX. Disbursement date XXX.
|
9.2.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for PurXXX review.
|
9.2.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS for XXX XXX AUS XXX year program to validate lender findings.
|
9.9.2026 Client provided Lender Loan approval with program XXX XXX year fixed. Response, file was reviewed to XXX AUS. Initial condition
remains for updated lock to review file to new program, if applicable. XXX Client provided lock changing program to XXX XXX AUS not required
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
801103
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing XXX W2 and XXX year end paystub for the co-borrower, XXX XXX
|
XXX Client provided end of year XXX paystub for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX
|
|
801103
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing XXX W2 and XXX year end paystub for the co-borrower, XXX XXX
|
XXX Client provided end of year XXX paystub and XXX w2 for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX
|
|
800874
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for
Additional REO or ( $XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|||||||||||||||
|
800867
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Documentation generated by current employer confirming the Borrowers eligibility to return to the current employer after temporary leave.
Acceptable forms of employer documentation that the Seller may obtain from the Borrower include but are not limited to:An employer-approved leave request,A Family and Medical Leave Act document or other documentation generated by the employer
or A third-party verifier on behalf of the employer
|
9.1.2026 Client provided email from employer (dated XXX) regarding Borrower being on medical leave and he has a return to work date of XXX
in addition Written VOE in file completed by Employer dated XXX (Note date XXX) and file having Work Number Written VOE in file dated XXX; disability income being used for qualifying for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXXxXXX on current mortgage
|
|
800875
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX.
|
|||||||||||||||
|
800876
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Lender provided exception for acres of XXX acres
|
XXX Pre approved exception applied to allow XX.X acres
|
Upon review by XXX XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, low LTV
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years per 1120S
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
|
|
800869
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Application date XXX . Per disclosure tracker Initial LE was issued XXX . Initial LE not provided. Missing disclosure.
|
XXX Client provided a Seller LOE, tracking and missing XXX Initial LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
800869
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Initial & revised CD method of delivery electronic. Evidence of e consent provided in pending status.
|
XXX Client provided the full disclosure tracking, audit reports and screenshot confirming the XXX e-consent for both borrowers.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
800869
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Initial & revised LE's method of delivery electronic. Evidence of e consent provided in pending status.
|
XXX Client provided the full disclosure tracking, audit reports and screenshot confirming the XXX e-consent for both borrowers.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
800865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an
accurate ATR/QM status.Missing B2 VOE.
|
9.4.2026 Client provided B2 VVOE dated XXX (Note date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Revised Closing Disclosure issued and received by borrowers on XXX is missing in the file.
|
09/08/26 Client provided the missing XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing B2 VOE.
|
9.4.2026 Client provided B2 VVOE dated XXX(Note date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800877
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months XXX on current mortgage
|
|||||||||||||||
|
801105
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
801105
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added CDA fee on final CD XXX. COC XXX indicates fee was added due to loan requirements. Loan
was locked with Investor on XXX, CDA was delivered on XXX, fee was not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking
information.
|
09/01/26 Client provided an Email response from the Seller stating the CDA fee isn't known to be needed until after the appraisal is
received. Once received, it is reviewed and if it doesn't make requirements then its required. Condition remains. File contains the XXX email to the borrower re: the Appraisal and CDA, however the CDA Report was delivered XXX and the
Appraisal/UCDP was dated XXX (Lock with Investor XXX. It does not appear timing was met for disclosure of a CDA fee on the Final XXX CD. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery with tracking.09/21/26 Client provided
a XXX PCCD, LOE, $XXX check and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide signed copy of XXX 1120S for XXX
|
9.8.2026 Client provided duplicate (in file) copy of 1120S XXX business returns for XXX however initial condition is for missing
signed/dated copy of these business returns. 1120S XXX business returns in file however not signed/dated. Condition remains 9.16.2026 Client provided executed 4506C for 1120s business returns for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 12 = $XXXXXX: $XXX x 3 = $XXX XXX XXX: $XXX x 3 = $XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months of 0x30 on current mortgage
|
|
800878
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
|
|
800601
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
|
|||||||||||||||
|
800599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
File is missing a complete fully executed deed of trust. Pages 1 - 3 only were provided in the file.
|
08/26/26 Client provided all pages of the DOT.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
800599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC806
|
Notary Status is missing
|
No
|
Executed Notary Status to Mortgage is missing
|
08/26/26 Client provided all pages of the DOT.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
800599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing documentation verifying monthly expenses of $XXX for an additional property owned located at XXX, XXX. Used amount from
final 1003 for recalculations.
|
8.30.2026 Client provided documentation verifying other monthly expenses used on REO of 1003 $XXX (taxes and HOI) and verified as being
free and clear of liens. Commercial
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
800600
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|||||||||||||||
|
800860
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline max of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
|
|
801079
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Appraisal fee increased from $XXX on initial LE XXX to $XXX on LE XXX to $XXX on LE XXX with no valid reasons documented in file.
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund in the amount of $XXX and proof of delivery via shipping that includes tracking information.
|
XXX Client provided another COC with additional details. Upon review by internal Compliance counsel, the COC reflects combined "change"
dates (Date of Change listed as XXX which coincides with the 1st fee increase, yet Form/Print Date is XXX which coincides with the 2nd fee increase). The new details listed on the COC are valid, however per the Appraisal Invoice in file, $XXX
portion was actually for a Rush Fee, and the COC does indicate Borrower requested, therefore additional documentation to validate the Borrower made the request to Rush the Appraisal order is required. Provide the documentation supporting
Borrower made the Rush Appraisal request for review, OR provide Borrower with a $XXX refund, PCCD, LOE and proof of delivery with tracking.XXX Client provided a XXX PCCD, LOE, XXX check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX =$XXX reserves required.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
800861
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added pest Inspection fee in C. section on final CD XXX with no COC. Per SPL in file, service
is not a shoppable service and fee is tested for XXX% tolerance. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes
tracking information.
|
09/11/26 Client provided an Email response from Seller stating: A tolerance cure is generally not required for a pest inspection fee that
was not required by underwriting, omitted from the Settlement Service Provider List (SSPL), and charged to the borrower. Therefore, the borrower can shop for. Condition remains. Placement of the fee in Loan Costs, Section C, indicates the
Lender included a provider on the SPL for the borrower to choose for that service, and borrower opted to choose a different provider. In this case, if the Pest Inspection was not a required Loan Cost, placement in Section H as an "Other"
charge would be correct. Provide an LOE to Borrower and corrected PCCD.09/16/26 Client provided an LOE to borrower and corrected XXX PCCD moving the Pest Inspection to Section H.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
800590
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
800597
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 has been in the same profession for XXX years.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800598
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required reserves of XXX mo's for the subject, $XXX
|
|
800596
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|||||||||||||||
|
800862
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
|
|
800864
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD XXX is only signed by non-borrowing spouse. Missing borrower's acknowledgment of receipt min XXX days prior to closing date.
|
08/26/2026 Client provided a duplicate copy of the Initial CD XXX Disclosure tracking reflecting Non-Borrower received XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
800863
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Departure home, missing copy of mtg statement supporting escrowed payment of $XXX and missing evidence of monthly HOA of $XXX
|
9.14.2026 Client provided copy of mortgage statement supporting $XXX (escrowed payment) and verified HOA of $XXX however with review of
data verify appears taxes for this property annual is $XXX/$XXX mo which would leave $XXX towards monthly HOI. Condition remains for copy of departure home (XXX) HOI policy supporting $XXX or additional amount to be included in DTI. Appears
the escrow amount on mtg statement is possibly slight lower. XXX taxes $XXX (per fraud) and missing HOI to support the additional $XXX; if exceed additional to be included in DTI. 9/17 Client provided c aclulation supporting taxes and
insurance used to qualiofy with tax exemption
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
|
|
800863
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
1 - Missing updated LP reflecting B2 with new employment and starting XXX; currently LP is showing B2 employment w/XXX prior employment.
(pg 551) 2- Verify ending date for B2 prior employment
|
9.15.2026 Client provided LP submission #13 showing B2 employment w/XXX however do not reflect new employment start date of XXX and (b)
missing VVOE verifying when prior employment ended. Provide LP with new employment start date of XXX and missing prior employment VVOE verifying ending date of employment w/XXXNote: Lender provided an updated 1003 showing XXX as ending date
for XXX however missing VVOE verifying for loan file. 9/17 Client asked for review; On review, Loan closed prior to employment end date at previous job XXX, 10 day VVOE in file is acceptable; loan qualified with projected income start date
XXX verified
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
|
|
801080
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure/ FATCS missing in file
|
XXX Client provided a signed LOE from Lender stating they do not have any affiliated businesses.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments >XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines requireXXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $XXX)
|
|
801080
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely
disclosed; insufficient credit or refund provided
|
No
|
XXX % tolerance in the amount of $XXX due to increase in Appraisal fee on initial CD XXX with invalid reasons documented on COC XXX.
Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided PCCD XXX with cure, copy of cure check, LOE and Out for in transit shipping label.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments >XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines requireXXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $XXX)
|
|
800852
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the
Lender's status determination.
|
No
|
Lender finds QM: XXX while Review finds Non-QM: lender documented all ATR/QM factors due to unadjusted charges of $XXX on total loan amt
of $XXX resulting in XXX% total charges, exceeding the 3% max. Missing Mavent and ComplianceEase disclosure to apply Undiscounted Rate and possibly partially deduct Discount Points. Additional conditions may apply.
|
9.10.2026 Client provided Lender Mavent, undiscounted rate have been entered. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800852
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2970
|
TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline.
|
No
|
QM: Safe Harbor while Review finds Non-QM: lender documented all ATR/QM factors due to unadjusted charges of $XXX on total loan amt of
$XXX resulting in XXX% total charges, exceeding the XXX% max. Missing Mavent and ComplianceEase disclosure to apply Undiscounted Rate and possibly partially deduct Discount Points. Additional conditions may apply.
|
9.10.2026 Client provided Lender Mavent, undiscounted rate have been entered. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800852
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
A
|
Property Valuations
|
Value
|
Satisfied
|
C
|
A
|
C
|
B
|
PRVAVALU5249
|
Property Value Not Supported
|
No
|
Field review value of $XXX causes a -XXX% variance from appraisal value of $XXX.
|
9.15.2026 Client provided duplicate (in file) where Field Review was provided with value of $XXX not supporting appraised value with XXX%
and appraised value of $XXXIn addition, file having a CDA with value of $XXX not supported within XXX% tolerance. Condition remains, 3rd party CDA and Field Review both in file however not supporting appraised value with XXX% tolerance. 9/16
Client asked for a review; Client provided a CDA and Field review; Field review value is used for valuation per GLs
|
Satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800853
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with same employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
800593
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 6 = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
800595
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Verified reserves of $XXX; $XXX or XXX months PITI required. Application shows XXX account XXX with a balance of $XXX; missing
documentation to support this account.
|
9.1.2026 Client provided bank statement w/XXX (CD), updated reserves are $XXX or XXX months
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
800851
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|||||||||||||||
|
801102
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801102
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5089
|
TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged
|
No
|
Final CD XXX and Funding CD XXX - Escrow Waiver Fee disclosed in Loan Disclosures section Escrow Account however no Escrow Waiver Fee is
present in Loan Costs section A. Unable to identify if fee was included in Discount Points. Condition is pending receiving Rate Lock with Discount Points detailed breakdown confirming escrow waiver is included or corrected PCD including fee
in A. section with LOE to borrower
|
09/14/2026 Client provided lock request reflecting Loan Level Adjustments including 0.125 for waiver of escrows = to $XXX as disclosed in
loan disclosures, page 4 Escrow waiver fee.
|
Condition Satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801102
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
***09/14/2026 Client provided the missing Initial CD XXX. Provide evidence of receipt a minimum of 3 days prior to closing.
|
09/16/2026 Client provided disclosure tracking reflecting a CD sent XXX however the CD has not been provided. Condition remains. Provide
the missing CD XXX and provide evidence of receipt for the Initial CD XXX a minimum of 3 days prior to closing. 09/21/26 Client provided another copy of the XXX CD. Upon re-review, the CD with Issue Date XXX was not printed until XXX and was
not delivered until XXX, per the Tracking and Mavent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801102
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID5097
|
TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures
|
No
|
Final CD XXX and Funding CD XXX - Escrow Waiver Fee disclosed in Loan Disclosures section Escrow Account however no Escrow Waiver Fee is
present in Loan Costs section A. Unable to identify if fee was included in Discount Points. Condition is pending receiving Rate Lock with Discount Points detailed breakdown confirming escrow waiver is included or corrected PCD including fee
in A. section with LOE to borrower
|
09/14/2026 Client provided lock request reflecting Loan Level Adjustments including 0.125 for waiver of escrows = to $XXX as disclosed in
loan disclosures, page 4 Escrow waiver fee.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801102
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
No
|
Per Mavent in file, initial CD was issued on XXX. Disclosure is missing in the file.
|
09/14/2026 Client provided missing Initial CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
800594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing credit documentation
|
8/21 Client asked for clarification; Verify each property is owned free and clear. Provide a copy of the hazard insurance policy and tax
statement for XXX. Provide a copy of the tax statement for XXX. May require additional conditions upon review.8.28.2026 Client provided requested documentation for each property supporting amount used on REO of 1003 and property profile to
support free and clear, reflect the same on data verify and HOI having no mortgagee.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
800594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Verify each property is owned free and clear. Provide a copy of the hazard insurance policy and tax statement for XXX. Provide a copy of
the tax statement for XXX. May require additional conditions upon review.
|
8.28.2026 Client provided requested documentation for each property supporting amount used on REO of 1003 and property profile to support
free and clear, reflect the same on data verify and HOI having no mortgagee.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
800854
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800854
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ XXX Appraised Value
|
XXX Client asked for a review; on review the Appraisal is supported by a CU score of X.X
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
800855
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD XXX is not signed nor found evidence in file of borrower's receipt. Condition pending receiving borrower's acknowledgement of
receiving initial CD min 3 days prior to closing date.
|
09/16/26 Client provided the Initial CD tracking that confirms borrower viewed the CD on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 3 = $ XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX %
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|
800859
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%; max DTI XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%.
|
|||||||||||||||
|
801101
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Incorrect ROR Form Used. H8 Form Used in Refinance With Original Creditor. As per title report the loan being paid of was originated by
the same lender.
|
9/16/26 Client provided an approved exception for using incorrect ROR form
|
XXX Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
|
|
801101
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX % tolerance due to increase in appraisal fee by $XXX on initial CD XXX with no valid COC in file. Condition is pending receiving a
valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund
|
XXX Client provided a response from Seller, duplicate copy of the XXX Appraisal Invoice and the XXX COC/CD. Condition remains. The
response details why the Appraisal fee was increased, however documentation is required "at the time of the change" to validate the fee increase. Provide the Appraisal Notes from the time of the change to support the Seller response/reason.
Additional conditions may apply.XXX Client provided an Email from Seller with further response and screenshots of the Appraisal Order Details. Notes provide clarification of the increase reason and description confirms date of XXX order with
XXX approval.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
|
|
801100
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Missing an additional $XXX in liquid funds required to close. The $XXX bridge loan financing secured by the departure residence being used
as funds to close is an ineligible source for XXX XXX XXX ; $XXX liquid funds required to close with only $XXX verified from liquid (not retirement) and non-borrowed funds provided.
|
XXX - Client provided an approved exception request for insufficient reserves from acceptable source.
|
XXX XXX approved the lenders exception request XXX for insufficient reserves from acceptable source for departure residence, however
XXX XXX UW cannot validate the approved exception request due to finding ineligible funds from a $XXX bridge loan were being used for funds required to close. Exception request only mentions reserves.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at primary residence
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
800856
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP3822
|
Missing or incomplete documentation related to citizenship/residency
|
No
|
Missing a XXX to allow the XXX borrower to work and live in the UW; only EAD card was provided which does not allow reentry to the US.
|
9.16.2026 Client provided copy of Borrower Asylum status granted indefinitely Section 208
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject $XXX x XXX.
|
|
800856
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR275
|
Completed "Subject To" w/o Completion Cert in File
|
No
|
Missing 1004D to verify removal of 2 stoves and capping of the gas line for one of the gas stoves.
|
9.11.2026 Client provided 1004D with removal of stoves and capping of the gas line for one of the gas stoves, along with photos
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject $XXX x XXX.
|
|
800857
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX %, qualifying LTV XXX %.
|
|
800858
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline requirement of XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITI $XXX x XXX .
|
|
800845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an
accurate ATR/QM status.Missing evidence to verify taxes and insurance for both REO properties.
|
9.10.2026 Client provided evidence of taxes/insurance and HOA for each requested REO along with updated DU
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
800845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to verify taxes and insurance for both REO properties.
|
9.10.2026 Client provided evidence of taxes/insurance and HOA for each requested REO along with updated DU
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
800592
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to
test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide lines maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
|
|||||||||||||||
|
800591
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 6 = $ XXX
|
|||||||||||||||
|
800847
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX %
|
|
800848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing both borrowers' most recent (XXX) K-1/1120-S for XXX as required by DU to validate the borrowers' qualifying income.
|
9.8.2026 Client provided 1120S XXX business returns and k1's for both borrowers (XXX% owner each) supporting monthly income for this
business used for qualifying however missing signed dated of these business tax returns. Condition remains for pg 1 1120S signed dated for XXX. 9.15.2026 Client provided pg 1 of XXX 1120S for business XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date XXX; disbursement date XXX per the PCCD.
|
9.1.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for PurXXX review.
|
9.1.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
800848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. CU score is XXX.
|
9.8.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
801099
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at XXX , required reserves are $XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX , qualifying score XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX % is below guideline max LTV of XXX %.
|
|
800849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrowers have 0x30 for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
800849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to increased Appraisal fee by $XXX on initial CD XXX with no COC in file and added CDA fee $XXX
on revised CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes
tracking information.
|
09/15/26 Client provided a XXX PCCD, LOE, COC, check and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrowers have 0x30 for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
800850
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X 6 = $ XXX+ XXX Months for
Additional REO or ( $ XXX X 3 = $ XXX)
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|
801078
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mortgage payment history required, credit shows XXX since XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX qualifying score is XXX
|
|
801077
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX .
|
|
801077
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX % tolerance variance of $XXX was identified due to a Trust Review Fee added on the revised LE dated XXX with no valid reasons
documented on COC XXX Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided another XXX COC and the XXX LE. COC indicates fee added due to borrower wanting to close in their Trust.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX .
|
|
800589
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing all income documentation for the borrower. Unable to determine qualifying income.
|
9/1 Client provided required Docs
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
800589
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
800589
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Bank statements received for VOR do not verify XXX month history and is missing the XXX payment in full. Unable to verify 0x30x12 to XXX
landlord.
|
9/1 client provided LOX to show timing of rent payment to complete the XXX-month history
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
800589
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification of recurring obligation on XXX statements in the amount of $XXX XXX. If the obligation has been paid in full,
provided documentation, or include the payment in the DTI. Documentation subject to further review, additional conditions may apply
|
8.31.2026 Client provided XXX XXX statement however unknown the reason for this statement, unable to determine this is regarding initial
condition. Initial condition remains Note: file have XXX months statement w/XXX verifying current rental history but also on these statements reflect an monthly additional withdrawal of $XXX (initial condition is pertaining to these XXX
months statements in file w/XXX) #XXX (XXX) One Account (is the account info on the statement) 9/1 Client provided LOX that the payment was Government tax payments that are no longer recurring Borrower has left the Country
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
800589
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing pay stub and a W-2 from the prior year per AUS to support qualifying income of $XXX per month. Missing income calculation
worksheet. Documentation subject to further review, additional conditions may apply
|
8.31.2026 Client provided Employer verification letter regarding income and provided XXX/XXX 1040s and XXX/XXX Transcripts along with XXX
no record and XXX extension. In addition provided payroll summary for January - XXX and provided payroll ledger from XXX - XXX no actual generated paystubs was provided and no generated w2's were provided. Initial condition remains 9/1
Client asked for review; On review Borrower has foreign income so NO W2s; documentation in file for prior employment with WVOE is sufficnet
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
800588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets Cash Reserves$XXX / XXX months PITI, meeting minimum required reserves and XXX months for subject
and XXX months for one financed REO
|
|||||||||||||||
|
800836
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional
months for XXX ( $ $ XXX X 3 = $ XXX )+ XXX Months for Additional REO or ( $ XXX X 3 = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|||||||||||||||
|
800838
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Per DU, document the transfer of the funds. Missing proof of gift funds from donor $XXX and $XXX Also, missing current XXX month
statements for XXX and XXX.
|
9/10 Client provided Email; on review XXX month statement required and XXX account not used; Client provided wire for gift
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800839
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with same employer.
|
|
800840
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Final 1003 indicates XXX XXX XXXXXX as sold. Missing settlement statement, or contract with a closing date < XXX days from note date
for omission of $XXX monthly payment from ratios.
|
XXX Client provided an estimated HUD-1 settlement statement for departure home with reflecting no disbursement date. Condition remains
for executed Final Settlement statement HUD-1 for sold property: XXX XXX XXX XXX to verify when sold. Note: subject property have a Final HUD-1 settlement statement statement in file (pg 260) with disbursement date XXX however missing
Final HUD-1 settlement statement for sold property to verify sold on or before XXX XXX Client provided executed Final HUD-1 settlement statement for sold property with payoff of existing lien and netting $XXX and removal of full DTI for this
property have been removed from DTI for updated DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; XXX x XXX + XXX months departure $XXX = $XXX reserves
required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX
|
|
800840
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI134
|
Debt Ratio Exception =>10%
|
No
|
Final 1003 indicates XXX XXX XXX XXX as sold. Missing settlement statement, or contract with a closing date < XXX days from note
date, or applicable departure residence guideline documentation for omission of $XXX monthly payment from ratios.
|
XXX Client provided an estimated HUD-1 settlement statement for departure home with reflecting no disbursement date. Condition remains
for executed Final Settlement statement HUD-1 for sold property: XXX XXX XXX XXX to verify when sold. Note: subject property have a Final HUD-1 settlement statement statement in file (pg 260) with disbursement date XXX however missing
Final HUD-1 settlement statement for sold property to verify sold on or before XXX XXX Client provided executed Final HUD-1 settlement statement for sold property with payoff of existing lien and netting $XXX and removal of full DTI for this
property have been removed from DTI for updated DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; XXX x XXX + XXX months departure $XXX = $XXX reserves
required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX
|
|
800840
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI187
|
Debt Ratio > 60%
|
No
|
Final 1003 indicates XXX XXX XXX XXX as sold. Missing settlement statement, or contract with a closing date < 30 days from note date,
or applicable departure residence guideline documentation for omission of $XXX monthly payment from ratios.
|
XXX Client provided an estimated HUD-1 settlement statement for departure home with reflecting no disbursement date. Condition remains for
executed Final Settlement statement HUD-1 for sold property: XXX XXX XXXXXX to verify when sold. Note: subject property have a Final HUD-1 settlement statement statement in file (pg 260) with disbursement date XXX however missing Final
HUD-1 settlement statement for sold property to verify sold on or before XXX XXX Client provided executed Final HUD-1 settlement statement for sold property with payoff of existing lien and netting $XXX and removal of full DTI for this
property have been removed from DTI for updated DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; XXX x XXX + XXX months departure $XXX = $XXX reserves
required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX
|
|
800841
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX Seller's CD in file & able to test; Condition
Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
800842
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
800842
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to
closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
09/15/2026 Client provided the missing Initial CD XXX, e-signed XXX with Disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
800842
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX and PCD XXX are the only CD sin file. Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.
|
09/15/2026 Client provided the missing Initial CD XXX, e-signed XXX with Disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
800843
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX + years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
800843
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing signed letter of intent from borrower indicating they intend to list the departure residence for sale within XXX days of closing
on subject transaction.
|
XXX Client provided Borrower LOX stating is currently listed for sale and we are working toward selling it soon. Response, if currently
listed for sale missing copy of MLS listing for review. Condition remains for copy of MLS listing. XXX Client provided XXX search showing property is listed for sale
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX + years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
801117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition
Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DT XXX % is below lender's guide line maximum of XXX %.
|
|
800837
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX XXX XXX , we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; XXX % max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
800830
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
|
|||||||||||||||
|
800831
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI < program maximum of XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX
|
|
800835
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Hazard insurance coverage amount of $XXX is insufficient for the loan amount of $XXX
|
9.8.2026 Client provided HOI email reflecting subject having replacement cost coverage of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
800835
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDLGL5480
|
Trust Documents Not Acceptable/Not Executed
|
No
|
Missing pages XXX and XXX of the Declaration of Trust.
|
9.10.2026 Client provided executed Certificate of Trust, this document having only 3 pages. Borrower is Trustee and Settlor of this Trust
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
800587
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge is understated by $XXX due to lender not including XXX $XXX and XXX fee $XXX nto APR/Finance charge calculation (internal
testing is excluding Title IL State of Policy fee $XXX). Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of refund, LOE to borrower, corrected PCD and proof of shipping with tracking
information.
|
08/28/26 Client provided an LOE from Lender disagreeing with our inclusion of the XXX and XXX fees. Upon review by internal Compliance
counsel, the condition remains. We include the XXX fee, and the XXX fee located in Section B does not appear to be an optional fee for the Borrower nor is it typically passed down to the Borrower. Since it does not fall within an exemption,
we would consider it a finance charge. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of the $XXX refund check, LOE to borrower, corrected PCCD and proof of shipping with tracking
information.09/04/26 Client provided an LOE, corrected XXX PCCD, refund check, proof of delivery and new RORs. Confirmed e-receipt for RORs on XXX with ExpXXXtion at midnight on XXX. Condition remains for the new rescission period to
expire.09/08/26 The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
|
|
800587
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge is understated by $XXX due to lender not including Ecompass technology fee $XXX and XXX fee $XXX into APR/Finance charge
calculation (internal testing is excluding Title IL State of Policy fee $XXX). Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of refund, LOE to borrower, corrected PCD and proof of
shipping with tracking information.
|
08/28/26 Client provided an LOE from Lender disagreeing with our inclusion of the XXX and XXX fees. Upon review by internal Compliance
counsel, the condition remains. We include the XXX fee, and the XXX fee located in Section B does not appear to be an optional fee for the Borrower nor is it typically passed down to the Borrower. Since it does not fall within an exemption,
we would consider it a finance charge. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of the $XXX refund check, LOE to borrower, corrected PCCD and proof of shipping with tracking
information.09/04/26 Client provided an LOE, corrected XXX PCCD, refund check, proof of delivery and new RORs. Confirmed e-receipt for RORs on XXX with ExpXXXtion at midnight on XXX. Condition remains for the new rescission period to
expire.09/08/26 The new rescission period is now expired.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
|
|
800586
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per disclosure tracker Post CD's XXX & XXX was issued. Post CD's not provided. Missing disclosures.
|
09/03/2026 Client provided 2 copies of duplicates of both XXX CD's and Disclosure tracking reflecting a CD XXX was not included in
timeline, however the tracking shows a PCCD issued XXX that's missing from the file. Provide the missing XXX CD included in timeline. 09/09/26 Client provided CD XXX with the following Per seller: Please see timestamp on bottom left of the
upload Post CD XXX showing created/issued on the XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX
|
|
800586
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX
|
|
800586
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
Title Notary fee $XXX was added to revised CD XXX section B. Fee is subject to zero tolerance as service is not list on SPL. No COC form
provided listing fee or any details as to why fee was added. No cure provided on final CD. Condition pending receipt detailed COC with fee validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
09/03/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered XXX shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX
|
|
800832
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|||||||||||||||
|
800833
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
A
|
A
|
A
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date: XXX ; Disbursement date per final CD XXX .
|
(No Data)
|
(No Data)
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX + years with same employer.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
|
|
800834
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years per taxes
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
|
|
800826
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|||||||||||||||
|
801076
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Recalculated income for B1 resulted in DTI of XXX % which exceeds the maximum allowable DTI of XXX %. Lender used XXX -year average of
tax returns only for both 1st and secondary XXX -employment. Since income from multiple sources of XXX -employment were used to qualify at the same time, 2 years income documentation is required for both sources of income. While the DU
findings require XXX -year tax returns only, the DU is invalid since borrower's secondary XXX -employment income was incorrectly submitted as salaried employment income. If a corrected DU with borrower's income type submitted as XXX
employment for both 1st and secondary sources of income and DU still only requires XXX year tax returns from each source, then income may be updated to amount used by lender to qualify.DU findings provided in the file require a paystub and W2
for B1. Borrower is not a salaried employee. Borrower has 1st and secondary XXX employment income only. A corrected DU with borrower's income type submitted as XXX employment for both 1st and secondary XXX employment and DU findings
reflecting the correct income documentation requirements for income type will be required.
|
9.22.2026 Client provided an updated DU reflecting B1 both employment as XXX employment and DU is allowing for XXX year for both XXX
employments: Schedule C and 1065 (XXX % XXX and with considering most recent year income (in which would be the same verified amount used by Lender) updated DTI is XXX % (same per Lender calculation), 1st XXX employment income is using YTD
XXX XXX L and YTD XXX paystub in file which supports lessor compared to XXXXXX 1065 and using XXX average of Schedule C.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX employed with current business since XXX
|
|
801076
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely
disclosed; insufficient credit or refund provided
|
No
|
XXX % tolerance in the amount $XXX due to added Discount Points on revised CD XXX COC XXX indicates fee was added due to reduced rate.
Interest Rate has not changed. Condition is pending receiving further information as to why Discount Points fee was added or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes
tracking information
|
XXX Client provided a screen print of lock extension with the date cut off at the top and a time stamp search of XXX . Also provided a
pricing timeline reflecting XXX DTI increase with a XXX $ charge to Borrower as a LLPA.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX employed with current business since XXX
|
|
801076
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI134
|
Debt Ratio Exception =>10%
|
No
|
Recalculated income for B1 resulted in DTI of XXX% which exceeds the maximum allowable DTI of XXX%. Lender used XXX-year average of tax
returns only for both 1st and secondary XXX employment. Since income from multiple sources of XXX employment were used to qualify at the same time, XXX years income documentation is required for both sources of income. While the DU
findings require XXX-year tax returns only, the DU is invalid since borrower's secondary XXX employment income was incorrectly submitted as salaried employment income. If a corrected DU with borrower's income type submitted as XXX employment
for both 1st and secondary sources of income and DU still only requires 1 year tax returns from each source, then income may be updated to amount used by lender to qualify.
|
XXX Client provided an updated DU reflecting B1 both employment as XXX employment and DU is allowing for one year for both XXX
employments: Schedule C and 1065 (35% ownership) and with considering most recent year income (in which would be the same verified amount used by Lender) updated DTI is XXX % (same per Lender calculation), 1st XXX employment income is using
YTDXXX P/L and YTD XXX paystub in file which supports lessor compared to XXX/XXX 1065 and using XXX average of Schedule C.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX employed with current business since XXX
|
|
801076
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Subject loan closed as a rate & term refinance and paid off a non-mortgage loan that was used to purXXX the property on XXX . Since
the loan paid off is a not a mortgage lien on the property it must be considered cash out which exceeds the maximum allowable cash back for a rate & term refinance. Additionally, DU findings indicate this case is ineligible because the
amount of cash taken out of the subject property equity exceeds the greater of XXX percent of the loan amount or $XXX for limited cash-out refinances. DU findings with approve/ineligible must be for loan amount only. A corrected DU with
loan purpose corrected to cash out for delayed purXXX refinancing will be required.
|
XXX Client provided Lender rebuttal stating, home purXXXd XXX and majority of the funds used for the purXXX were from a business loan for
$XXX which was fully documented and paid off at closing. The Borrower received no cash in hand. FNMA considers these cash out transactions but Client allows as a rate/term. Response, with review of loan documents: subject purXXX HUD-1 and mtg
statement (in which Borrower received a business loan to purXXX subject property, borrower is XXX % owner of business and documented in file of the $XXX received and used to purXXX subject) however guidelines do not allow for business
assets, etc. must be borrower own personal funds to consider doing as delayed purXXX/rate term, subject transaction is being considered as a cash out refinance due to business loan was received to purXXX subject in full and now paying
business loan back on a rate/term, ineligible for rate/term refinance even though borrower is not receiving any funds at closing, business loan was received and not being a secured debt on Title. Condition remains, subject transaction is cash
out vs rate/term. Provide updated 1008/DU reflecting as cash out along with updated lock confirmation being locked as cash out. XXX client asked for a review; FNMA guidelines allow for processing as cash out under the delayed purXXX
exception with payoff of the Bus loan an no cash to Borrower
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX employed with current business since XXX
|
|
801076
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
DU findings provided in the file require a paystub and W2 for B1. Borrower is not a salaried employee. Borrower has 1st and secondary
XXX employment income only. A corrected DU with borrower's income type submitted as XXX employment for both 1st and secondary XXX -employment and DU findings reflecting the correct income documentation requirements for income type will be
required.
|
XXX Client provided updated DU submission #7 with B1 income for both employment being input as XXX employed vs wage earner.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX employed with current business since XXX
|
|
800827
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
|
|||||||||||||||
|
800584
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for
other REO $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
801098
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added HOA Transfer fee in C. section on initial CD XXX with no COC in file. Service is not a
shoppable service as SPL, therefore fee is tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that
includes tracking information.
|
09/21/26 Client states Documents uploaded for review, however no documents received. Please re-send.09/22/26 Client provided a XXX PCCD,
LOE, $XXX check and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
800828
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX ; total reserves required $XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; XXX % max allowed.
|
|||||||||||||||
|
800829
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max allowed.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; XXX % max allowed.
|
|||||||||||||||
|
800585
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
File is missing lender's 1008 approval.
|
9.4.2026 Client provided lender 1008 reflecting as Buydown
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years at current job.
|
|
800774
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%, guidelines allow XXX% LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x 6 + 6 mo REO ($XXX) =$XXX reserves required
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
801097
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
09/22/26 Client provided an Email from the Title Co. indicating the Final Title policy is not yet complete (within 30 days of funding) and
the Title Invoice that includes the T.42 and T.42.1 Endorsements.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; XXX months reserves required.
|
|
801097
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
09/22/26 Client provided an Email from the Title Co. indicating the Final Title policy is not yet complete (within 30 days of funding) and
the Title Invoice that includes the T.42 and T.42.1 Endorsements.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; XXX months reserves required.
|
|
801096
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
1008 in file stated, manual underwrite, loan sent from XXX as an AUS, correct the 1008 as AUS, DU or LP, both DU and LP in file used LP,
came over bookmarked as final AUS LP. Subject to additional conditions with correct AUS used.
|
XXX Client provided Lender 1008 showing DU Approved however was LP reviewed, file has been re-reviewed to DU AUS (per 1008), CU Score X.X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX %
|
|
800775
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2642
|
Missing proof that HELOC has been paid and closed to future draws
|
No
|
XXX HELOC payoff authorization to terminate and discharge is not executed.
|
9.11.2026 Client provided executed by Borrowers requesting closure of HELOC w/XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.
|
|
800583
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
801075
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX XXXX = $ XXX + XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
|
|||||||||||||||
|
801118
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX year at current employment
|
|||||||||||||||
|
801095
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2412
|
Income documents in file are not for consecutive years
|
No
|
File is missing evidence of prior year's (XXX) earnings for B2; VOI only provides XXX YTD earnings and XXX W2 in file. However, AUS
accepted VOI only for income verification (see AUS Findings #21)- QC to cancel.
|
9/22 Client provided XXX W2
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum ofXXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX %.
|
|
800776
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|||||||||||||||
|
800797
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
801119
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
|
|
800777
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX .
CFCFS1736: Significant time at current residence
- XXX Comments: B2 & B3 have owned the subject property for XXX years.
|
|||||||||||||||
|
801094
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing evidence of sale of XXX XXX . PITIA of XXX included in ratios or provide satisfactory closing statement indicating property is
paid off.
|
XXX Client provided executed Seller HUD-1 sale of home: XXX on XXX with payoff of existing lien and seller netted proceeds of $XXX ;
updated DTI XXX % with removing the PITIA payment for this property
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
801094
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
60 days of consummation
|
No
|
XXX % tolerance in the amount of $XXX due to Appraisal fee increased on LE XXX with no valid reasons documented on COC XXX . Condition
is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided an XXX COC with details of the Appraisal Fee increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
801094
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Assets: $XXX effective, $XXX to close, $-XXX reserves; $XXX x XXX = $XXX reserves required + cash to close. (XXX + XXX - XXX = XXX )
Provide satisfactory assets of no less than $XXX
|
9.16.2026 Client provided executed Seller HUD-1 sale of home: XXX on XXX with payoff of existing lien and seller netted proceeds of $XXX
; updated DTI XXX % with removing the PITIA payment for this property, sufficient funds to close met.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
801094
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Assets: $XXX effective, $XXX to close, $-XXX reserves; $XXX x XXX = $XXX reserves required + cash to close. (XXX + XXX - XXX = XXX
Provide satisfactory assets of no less than XXX to meet XXX month cash reserves plus cash to close.
|
XXX Client provided executed Seller HUD-1 sale of home: XXX on XXX with payoff of existing lien and seller netted proceeds of XXX
updated DTI XXX % with removing the PITIA payment for this property. Verified reserves XXX months.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
801094
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI187
|
Debt Ratio > 60%
|
No
|
Missing evidence of sale of XXX XXX PITIA of XXX included in ratios or provide satisfactory closing statement indicating property is
paid off.
|
XXX Client provided executed Seller HUD-1 sale of home:XXX on XXX with payoff of existing lien and seller netted proceeds of $XXX ;
updated DTI XXX % with removing the PITIA payment for this property
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
801092
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
File is missing final closing document(s) for bridge loan attached to XXX property confirming $XXX P&I monthly payment, payoff of XXX
and any other debts, and netting minimum of $XXX proceeds.
|
9.11.2026 Client provided executed copy of CD for Bridge loan reflecting taxes/hoi for $XXX(same on REO of 1003) with payoff of XXX and
cash to borrower $XXX however still missing evidence of monthly payment of $XXX PI for this bridge loan on this property. 9.15.2026 Client provided executed copy of Bridge Balloon Note for XXX in the amount of $XXX reflecting having a Single
Balloon payment due XXX and using monthly $XXX as monthly PI for this Balloon Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX verified reserves > program requirement of $XXX (Subject PITI $XXX x12 + OREO PITI $XXX x3).
|
|
801092
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX verified reserves > program requirement of $XXX (Subject PITI $XXX x12 + OREO PITI $XXX x3).
|
|
801092
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing final closing document(s) for bridge loan attached to XXX property confirming $XXX P&I monthly payment, payoff of XXX
and any other debts, and netting minimum of $XXX proceeds.
|
9.11.2026 Client provided executed copy of CD for Bridge loan reflecting taxes/hoi for $XXX (same on REO of 1003) with payoff of XXX and
cash to borrower $XXX however still missing evidence of monthly payment of $XXX PI for this bridge loan on this property. 9.15.2026 Client provided executed copy of Bridge Balloon Note for XXX in the amount of $XXX reflecting having a Single
Balloon payment due XXX and using monthly $XXX as monthly PI for this Balloon Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX verified reserves > program requirement of $XXX (Subject PITI $XXX x12 + OREO PITI $XXX x3).
|
|
800765
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX = $XXX reserves required.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months rental payment history XXX
|
|||||||||||||||
|
800773
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is 75%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX = XXX reserves required.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
800766
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|||||||||||||||
|
800767
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely
disclosed; insufficient credit or refund provided
|
No
|
0% tolerance in the amount of $XXX due to decrease in Lender's credit on final CD XXX with no valid COC in file. Lender's credit of $XXX
for tolerance cure, provided on final CD, was applied towards increased Appraisal fee. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via
shipping that includes tracking information.
|
09/10/26 Client provided an Email response from Seller showing screenshots of the XXX Lock Details, XXX Lock Details and comment stating
the Credit change was in response to the Discount Points. The Credit was given to help cover the Points. When the fee was reduced then there was no need for the Lender Credit to remain the same. Condition remains. At the time of the first
Lock (XXX, the Points were XXX% at $XXX with Lender Credit of $XXX. The pricing/Credit remained the same until the Final XXX CD when only the Credit was reduced by $XXX (excludes the additional $XXX for the tolerance cure). Provide a valid
COC for the Credit reduction OR provide borrower with a $XXX refund, PCCD, LOE and proof of delivery with tracking.09/16/26 Client provided Emails from Seller with screenshots of the Temporary Buydown funding breakdown between the Seller,
Lender and Agent. The original $XXXLender Credit was increased to $XXX lumped together in Paid by Others with the Agent portion of $XXX, plus the Seller portion of $XXX.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800768
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing verification of hazard insurance premium for XXX XXX XXX .
|
XXX Client provided HOI,taxes,HOA for requested property and additional verified month included in DTI
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: B1 has been in the same profession for XXX years.
|
|
800768
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification of hazard insurance premium for XXX XXX XXX
|
XXX Client provided HOI,taxes,HOA for requested property and additional verified month included in DTI
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS2854: Significant time in profession
- XXX Comments: B1 has been in the same profession for XXX years.
|
|
801093
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
800769
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX XXX XXX , we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: XXX + years in same line of work.
|
|
800764
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX =$XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
800581
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
|
|
800770
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing flood cert.
|
9.16.2026 Client provided Flood Certificate document, flood zone X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
800582
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
File is missing the appraisal for the subject property.
|
9.3.2026 Client provided copy of subject appraisal valued $XXX dated XXX; completed subject to.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
800582
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR275
|
Completed "Subject To" w/o Completion Cert in File
|
No
|
9.3.2026 Client provided copy of subject appraisal valued $XXX dated XXX; completed subject to. Missing 1004D
|
9.8.2026 Client provided subject 1004D with requested items being completed along with photos
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
800582
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
XXX disaster #XXX declaration date XXX for severe storms, straight-line wings, flooding, landslides and mudslides. No inspection in file -
missing appraisal for subject property.
|
9.3.2026 Client provided copy of subject appraisal valued $XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
800772
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX years at current employment per tax returns
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
|
|
800754
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|||||||||||||||
|
800755
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
B2 is using Asset depletion income; Provide the Asset account used with balance and income calculation WS with formula used to support
$XXX and continuance
|
9.8.2026 Client provided most recent bank statements w/XXX for accounts #XXX (balance $XXX) and #XXX (balance $XXX) and considering #XXX
balance of $XXX/XXX months (per income calculation WS formula), this calculation $XXX / XXX do support $XXX; condition remains (a). Lender to clarify using formula 180 months, subject loan is XXX months and (b). In addition, missing lender
updated 1003 for B2 reflecting correct balances for statements provided: XXX and XXX for #XXX and #XXX Income (asset depletion) still under review 9/10 Client asked for review ; On review loan UW to XXX XXX months asset depletion calc is
allowed; Assets on review reflect net amount after depletion income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV is below max of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
800755
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide AUS LP Accept approval
|
9.8.2026 Client provided LP AUS submission #3
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV is below max of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
800580
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
800579
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
|
|
800753
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an
accurate ATR/QM status.Missing HOA for XXX
|
9.10.2026 Client provided Lender updated 1008/1003 and DU including the annual supplemental taxes (CA property) for monthly taxes of $XXX
(previously was using $XXX and lowered B2 income to $XXX (based on FMLA pay due to returning after 1st payment date), with these changes DD Firm DTI is XXX% and Lender updated DTI is XXX%; appears difference in DTI is now RSU income. Lender
using year XXX average for monthly $XXX and DD Firm using XXX XXX. Condition remains, updated DD DTI of XXX% exceed guidelines maximum of XXX% Note: Year XXX XXX (per end of year paystubs XXX) were $XXX and Year XXX $XXX (declined) and DD
Firm using current year of XXX due to declined. 9/15 Client provided updated docs and income calc
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXXxXXX on current and previous mortgages
|
|
800753
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing HOA for XXX
|
9.3.2026 Client provided HOA invoice receipt of monthly assessment of $XXX for requested property, included in the other as reflected on
REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXXxXXX on current and previous mortgages
|
|
800753
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Per documentation in file B2 is currently on Maternity Leave. Per Guidelines, to use current income Borrower must be returning to work
prior to 1st payment date. First payment date is XXX. Per letter in file from B2 they will be returning to work on XXX (after 1st payment date). However there is a letter from employer stating B2 is scheduled to return XXX (before 1st
payment). Provided documentation that B2 has returned to work prior to XXX.
|
9.10.2026 Client provided email from employer stating B2 return date XXX and B2 LOX in file stating return date XXX and provided updated
1003/1008 and DU reducing B2 income to $XXX (which is the maximum amount of benefit while on leave, maximum $XXX divided by 12 supported with documentation in file pg XXX), Lender updated XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXXxXXX on current and previous mortgages
|
|
800753
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide LOE as to why supplemental taxes in the amount of $XXX/annual per Prelim and Tax Sheet where not included in DTI. Additional
conditions may apply
|
9.10.2026 Client provided Lender updated 1008/1003 and DU including the annual supplemental taxes (CA property) for monthly taxes of $XXX
(previously was using $XXX) and lowered B2 income to $XXX8 (based on FMLA pay due to returning after 1st payment date), with these changes DD Firm DTI is XXX% and Lender updated DTI is XXX%; appears difference in DTI is now RSU income.
Lender using year XXX average for monthly $XXX and DD Firm using XXX XXX. Condition remains, updated DD DTI of XXX% exceed guidelines maximum of XXX% Note: Year XXX XXX (per end of year paystubs XXX) were $XXX and Year XXX $XXX (declined)
and DD Firm using current year of XXX due to declined. 9/15 Client provided revised 1003/1008 and AUS using B2 assets to offset XXX leave pay for XXX months until return to work date, Qualifued using B2 base Plus B1 base and YTD RSU vesting
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXXxXXX on current and previous mortgages
|
|
800756
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing executed USA Patriot Act for borrowers
|
9.16.2026 Client provided executed Patriot Act for both borrowers however B2 expXXXtion date is Year XXX; condition remains for B2 most
current patriot act with ID verification. 9/16 Client provided an approved exception to allow the Borrower info form with XXX for B2
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
800756
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide a copy of the CDA to support appraised value of $XXX due to XXX CU Risk not assessed.
|
9.14.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
800757
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX % is below lender's guide lines maximum of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
800578
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX due to lender not including Ecompass Loan technology fee $XXX and XXX fee $XXX in B. section into
Finance Charge calculation (internal testing excluded Title Disbursement fee $XXX). Condition is pending receiving a copy of refund, LOE to borrower, corrected PCD and proof of shipping with tracking information.
|
09/09/26 Client provided a XXX PCCD, LOE, $XXX check and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
|
|
800578
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge understated by $XXX due to lender not including Ecompass Loan technology fee $XXX and XXX fee $XXX in B. section into
Finance Charge calculation (internal testing excluded Title Disbursement fee $XXX). Condition is pending receiving a copy of refund, LOE to borrower, corrected PCD and proof of shipping with tracking information.
|
09/09/26 Client provided a XXX PCCD, LOE, $XXX check and tracking (delivery confirmed).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
|
|
800578
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
None of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
|
|
800758
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP111
|
Legal Nonconforming w/out Rebuild Letter
|
No
|
Missing rebuilt letter for property. Property is zoned "legal nonconforming" and appraiser doesn't not address if property may be
re-built.
|
XXX Client provided updated appraisal with appraiser commenting Subject can be rebuilt to their current density, if destroyed.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS2854: Significant time in profession
- XXX Comments: XXX + years in same line of work.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX -months housing payment history XXX.
|
|
800759
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXXed for XXX years.
|
|||||||||||||||
|
800760
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of 680.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX %.
|
|||||||||||||||
|
801074
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing proof the following dept was paid in full: 1. XXX XXX with balance $XXX ; 2. XXX XXX with balance of $XXX ; 3. XXX with balance
of $XXX . If debt included, ratios are over max allowed of XXX %.
|
XXX Client provided email on review Bonus income added and debts added to DTI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX + years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
|
|
801074
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing fully executed Patriot Act form by borrower.
|
9.22.2026 Client provided executed Patriot act for Borrower
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX + years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
|
|
800761
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Provide third party executed Patriot Act form for B1.
|
9.14.2026 Client provided executed Patriot Act for both borrowers
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
800762
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below the maximum allowed DTI of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX %.
|
|
800763
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX qualifying score XXX
|
|
800577
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|||||||||||||||
|
800752
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Affiliate Business Disclosure is missing
|
08/25/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.
|
|
800752
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR114
|
ROR - Right of Rescission not executed by all title holders
|
No
|
ROR in file is only signed by the borrower. Missing ROR signed by the non-borrowing title holder.
|
09/17/2026 Client provided H8 Right to Cancel hand signed by the Non-Borrower XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.
|
|
800752
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5806
|
TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.
|
No
|
Initial CD XXX and a revised CD XXX were issued only to borrower. Missing CD(s) issued and acknowledged by the non-borrowing title holder
min 3 days prior to closing date.
|
09/11/26 Client provided a hand signed copy of the Initial XXXCD confirming receipt by both parties. Condition remains. Provide the
missing XXX CD confirmation of delivery to the non-borrowing title holder.09/17/2026 Client provided a duplicate of CD XXX and a copy of CD XXX hand signed by Non-Borrower. XXX.
|
Condition Satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.
|
|
800752
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
VOE missing for the borrower's second job.
|
8/25 Client provided an approved exception to allow the file without the VOE for 2nd job
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.
|
|
800752
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Hazard coverage required coverage amount $XXX. Policy dwelling coverage $XXX + XXX% extended coverage = $XXX.
|
9.1.2026 Client provided subject RCE for HOI policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.
|
|
800576
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely
disclosed; insufficient credit or refund provided
|
No
|
XXX% tolerance in the amount of $XXX due to added CDA fee on a revised LE XXX with no valid reasons documented on COC XXX. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/31/26 Client provided an XXX PCCD, LOE, check and tracking (delivery confirmed).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
800576
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
The HOI policy is missing.
|
8.27.2026 Client provided subject HOI policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
800745
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide signed XXX 1040's and 1120SDocs in file show returns (both personal and XXX) are on extension. Provide documentation that both
were filed (transcripts). If both Transcripts are provided then the signed returns are not required.
|
XXX Client provided signed dated pg 1 of XXX XXX and pg 2 signed dated XXX XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
|
|
801091
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD,
Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months XXX on current mortgage
|
|
800746
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; XXX % max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max allowed.
|
|
800747
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Initial Loan Estimate dated XXX missing in file
|
09/16/26 Client provided the missing XXXInitial LE and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserverequirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800747
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserverequirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800747
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
Missing a copy of fully executed PUD Rider.
|
9.15.2026 Client provided executed full complete copy of Mortgage including executed PUD Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserverequirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
801088
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|||||||||||||||
|
801089
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801090
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX -months housing payment history XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
|
|
800748
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX %.
|
|||||||||||||||
|
800749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing.
|
XXX Client provided the missing XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX /in verified assets is sufficient to cover required reserves XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline max of XXX %.
|
|
800750
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception
is informational per XXX XXX department and XXX 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, XXX reserves, XXX x XXX + XXX mo REO XXX = $XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX%.
|
|
800751
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
Missing VOM for XXX Bank mortgage being paid off with subject transaction. Per recent note in file, first payment was due XXX but only
verified XXX was XXX No evidence of the XXX payment date.
|
XXX Client provided email from XXX XXX verifying XXX payments received and none were late, in addition payoff statement reflect next due
date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit at XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX ; min score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX ; required reserves $XXX
|
|
800741
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX
|
|||||||||||||||
|
800743
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI of XXX% is below guideline maximum of XXX%
|
|||||||||||||||
|
800744
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX score. Minimum score required XXX
|
|||||||||||||||
|
800742
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller CD t in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
800740
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: XXX + years in same line of work.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
|
|||||||||||||||
|
801073
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI < program maximum of XXX %.
|
|||||||||||||||
|
800738
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|
800739
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
|
|||||||||||||||
|
801087
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and
render an accurate ATR/QM status.
|
No
|
Missing verification of PITI for 2 non-subject properties: XXX XXX XXX and XXX XXX XXX.
|
XXX Client provided copy of HOI/Taxes and HOA, if applicable for both properties supporting amount used on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max allowed.
|
|
801087
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of PITI for 2 properties: XXX XXX XXX and XXX XXX XXX
|
XXX Client provided copy of HOI/Taxes and HOA, if applicable for both properties supporting amount used on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max allowed.
|
|
800735
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
CU score is XXX. XXX to order desk review.
|
9.3.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
800736
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
801086
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX exceeds guideline minimum credit score of XXX .
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer, with additional XXX pay that was not used in qualifying.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX %, qualifying LTV is XXX %.
|
|
800737
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline max XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
|
|||||||||||||||
|
801082
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX %.
|
|||||||||||||||
|
801085
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX XXX XXX , we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
801083
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
801084
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller CD t in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
801072
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
|
|||||||||||||||
|
800734
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX = $XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX%.
|
|
801120
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX , qualifying score XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX .
|
|||||||||||||||
|
Client Name:
|
|||||||||||||||||||
|
Client Project Name:
|
SEMT 2026-13
|
||||||||||||||||||
|
Start - End Dates:
|
5/19/2026 - 9/23/2026
|
||||||||||||||||||
|
Deal Loan Count:
|
380
|
||||||||||||||||||
|
Conditions Report 2.0
|
|||||||||||||||||||
|
Loans in Report:
|
380
|
||||||||||||||||||
|
Loans with Conditions:
|
277
|
||||||||||||||||||
|
Loan Number
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
801071
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800003
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
800010
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800712
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Not Applicable
|
|
801070
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801069
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800732
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
No
|
|
801068
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800731
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800733
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
801066
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800729
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
800730
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
801067
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800724
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Not Applicable
|
|
800727
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800728
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800725
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
801065
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800726
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800574
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800723
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
801115
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800722
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800721
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800720
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801063
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801114
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800713
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801064
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800717
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801062
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800715
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800714
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800718
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800719
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
No
|
|
800716
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801081
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Not Applicable
|
|
800710
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800711
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800707
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800573
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800709
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800708
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801111
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801061
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801056
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
801060
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801057
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800702
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800704
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801055
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801058
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
800705
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801059
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800703
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801054
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800706
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801040
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801049
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800698
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Yes
|
|
800697
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801051
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801050
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800689
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
801053
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Not Applicable
|
|
801052
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800690
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
801047
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801113
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801048
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800701
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800691
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800692
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
800694
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
800695
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
800693
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800699
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
No
|
|
800696
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800700
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800575
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800683
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
800681
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800687
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801045
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800682
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800688
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801046
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800686
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
800684
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800685
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800677
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800678
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800679
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801044
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800680
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800676
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801042
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800672
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800675
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801043
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800671
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800673
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
801112
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800674
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801110
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800670
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800665
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800659
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800662
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800666
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800663
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800660
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
800667
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801041
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
800661
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
No
|
|
801109
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
No
|
|
800664
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
800668
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800656
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800669
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800657
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801037
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800655
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800654
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801038
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801039
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800653
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801036
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801035
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801107
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
801108
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801034
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800650
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800652
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800651
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800911
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
No
|
|
800647
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800905
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
No
|
|
800649
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800906
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800648
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800640
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800646
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800613
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800904
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800907
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
800628
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800902
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800644
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800642
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800908
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
800643
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800645
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
800909
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800903
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800641
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800912
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800910
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800897
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800626
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
800898
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800629
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800627
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800899
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
No
|
|
800636
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800901
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800637
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800638
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800630
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800634
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800896
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800895
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800631
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800632
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800900
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800639
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
800635
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800633
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800615
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800623
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
800892
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800616
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800614
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
800617
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800893
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
800894
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800620
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801116
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Not Applicable
|
|
801106
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
No
|
|
800890
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800891
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800621
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
800624
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800622
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800618
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800619
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800625
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800888
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
800880
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800881
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800879
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
800882
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800889
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800606
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800604
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800883
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800884
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800609
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800885
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800612
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800605
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800610
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800607
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800886
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800887
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800611
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800608
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800844
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800870
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800602
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800603
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801104
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800866
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800871
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800872
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800873
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
801103
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800874
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800867
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800875
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800876
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Yes
|
|
800869
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800865
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800877
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801105
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800868
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800878
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800601
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800599
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800600
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800860
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801079
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800861
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800590
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800597
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800598
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800596
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800862
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800864
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
800863
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801080
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800852
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
A
|
Not Applicable
|
|
800853
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800593
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800595
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800851
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801102
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800594
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800854
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
800855
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800859
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801101
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Yes
|
|
801100
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800856
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
800857
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800858
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800845
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800592
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800846
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800591
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800847
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800848
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
801099
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800849
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Yes
|
|
800850
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801078
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Yes
|
|
801077
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
800589
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800588
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800836
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800838
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800839
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800840
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800841
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800842
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800843
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Yes
|
|
801117
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800837
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800830
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800831
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800835
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800587
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800586
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
No
|
|
800832
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800833
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800834
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800826
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801076
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800827
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800584
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801098
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
800828
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800829
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800585
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800774
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801097
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
801096
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800775
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800583
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801075
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801118
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801095
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800776
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800797
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801119
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800777
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801094
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801092
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800765
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800773
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800766
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800767
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
800768
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801093
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800769
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800764
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800581
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800770
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800582
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
800772
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800754
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800755
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800580
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800579
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800753
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
800756
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
800757
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800578
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800758
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
800759
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800760
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801074
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800761
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800762
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800763
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800577
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800752
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800576
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
800745
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801091
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800746
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800747
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
801088
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801089
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801090
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800748
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800749
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
800750
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800751
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800741
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800743
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800744
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800742
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800740
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801073
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800738
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800739
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801087
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
800735
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
800736
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801086
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
800737
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
801082
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801085
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801083
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801084
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801072
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
800734
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
801120
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|